Protective Improves Temporary Underwriting Guidelines

Protective just announced improved Temporary Underwriting Guidelines to what was introduced on 4/15/20. The new guidelines have been simplified for ages 60-79. These improvements are outlined below and we have attached the official bulletin that provides additional details.  If you have a current case that was postponed due to prior guidelines, please reach out to our team to discuss and we can help determine if we are now able to proceed with an offer.

Age and Rating Limitations

• Age 80+: Postpone (no changes to this category)
• Ages 70-79: Must be Standard or better (removed underlying condition limitations)
• Ages 60-69: Must be Table 4 or better (removed underlying condition limitations)
• Ages 0-59: Will consider all risks through Table 4 (Minor changes outlined below)
  • Applicants age 0-59 who are rated over Table 4 will be considered on a case-by-case basis if there is no significant underlying medical condition or treatment that makes them more susceptible to COVID-19 death. These medication conditions and treatments include, but are not limited to:
    • Heart Disease
    • Significant Cancer in the last 10 years
    • Obesity rated higher than table 4
    • Diabetes
    • Pulmonary disease (COPD, Asthma, etc.)
    • Autoimmune or Immunosuppressive Disease
    • Any medication that causes immunosuppression (Biologic, Prednisone/Steroid, methotrexate, etc.)

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