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Quote and Apply

It’s easy to generate quotes and illustrations for Assurity’s suite of disability income products – plus get options to make applications simple and painless. E-apps, drop tickets and online quote-to-application options give you flexible ways to sell DI. Note: You must login to AssureLINK to access the e-applications and illustration software. If you need help logging in, contact your Regional Sales Team.

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Quote and Apply

Century+ Disability Income Insurance

Guaranteed renewable coverage with benefit periods from 1 year to age 67, plus no income verification or medical exams up to $6,000 for most clients.

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Income Protection Disability Insurance

Renewable short-term DI with weekly benefits up to 2 years, along with flexible coverage options and no medical exams or income verification

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Graded Benefit Disability Insurance

Impaired risk disability coverage with automatic consideration for traditional DI declines.

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Business Overhead Expense Disability Insurance

Coverage for small business owners with a one-occupation upgrade.

Learn More

Save your spot for our March 21 webinar

Get an expert-led tour of the ways Assurity’s complete DI portfolio can help you grow your sales in just 15 minutes.

Watch now

Tools

Get tools to help you get started prospecting and selling:  

Income Protection

  • Brochure
  • Consumer Video
 Century+
  • Brochure
  • Mortgage Brochure
  • Why DI Flyer
  • Mortgage Protection Flyer
  • Consumer Video
Century+ and BOE
  • Small Business Owner Brochure
  • Small Business Owner Flyer
  • BOE Consumer Flyer
  • The Missing Piece Flyer

Conversation Starters & Overcoming Objections

  • Social Media Kit
  • Emails
  • Phone Scripts
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Underwriting Made Easy

Take advantage of streamlined processes to quote, submit and issue applications.

Term Life Life Protect+ Par Whole Life Children’s WL SPWL UL
Face Amounts $25,000 to $10 million Term Life $25,000 and up; CI Rider $10,000 to $100,000; DI Rider up to $3,000 month $10,000 to $3 million $10,000 to $100,000 $5,000 or $10,000 up to $35 million, based on age* $25,000 to $35 million
Issue Ages (age last birthday) 18 – 75 18 – 75 15 days – 85 15 days – 17 15 days – 85 15 days – 85
Plans 10, 15, 20, 30 Years 10, 15, 20, 30 Years 10-Pay, 20-Pay, Pay to Age 65, Pay for Life 10-Pay, 20-Pay, Pay to Age 65, Pay for Life Single premium Level or increasing death benefit
Underwriting Classes Preferred Plus NT, Preferred NT, Standard NT, Preferred TB, Standard TB, ratings up to table 8 Preferred Plus NT, Preferred NT, Standard NT, Preferred TB, Standard TB, ratings up to table 16 Preferred Plus NT, Preferred NT, Standard NT, Preferred TB, Standard TB, Juvenile, ratings up to table 16 Juvenile Standard NT, Standard TB, Juvenile Preferred Plus NT, Preferred NT, Standard NT, Preferred TB, Standard TB, Juvenile, ratings up to table 16
Acceleration Benefits* Terminal illness and nursing home confinement Terminal illness and nursing home confinement Chronic and terminal illness Chronic and terminal illness Chronic and terminal illness Chronic and terminal illness

*Ages 15 days to 54 years – $10,000 and above; ages 55 to 85 – $5,000 and above

Term Life Insurance

Instant decision available on e-applications, and if needed, seamlessly transition to traditional underwriting. 

• No lab tests
• Conversion to a permanent policy without evidence of insurability prior to age 65

Accelerated Underwriting, No Exams
•    Up to $1 million for ages 18-50
•    Up to $500,00 for ages 51-65

Life Protect+

Instant decision available for three types of coverage for your clients: term life, critical illness and income protection.

•    1 application, 3 types of coverage 
•    No lab tests 
•    No health license required
•    Convert the term policy to permanent coverage without additional underwriting

Accelerated Underwriting, No Exams
•    Up to $1 million for ages 18-50
•    Up to $500,00 for ages 51-65

Whole Life Insurance (Participating)

Accelerated underwriting speeds up the process providing an instant decision available or seamless transition to traditional underwriting. 

•    Limited pay options
•    Fully convertible Level Term Rider

Accelerated Underwriting, No Exams
•    Up to $300,000 for ages 0-17
•    Up to $200,000 for ages 18-45
•    Up to $150,000 for ages 46-60
•    Up to $100,000 for ages 61-85

Children’s Whole Life Insurance (Participating)

E-applications offer accelerated underwriting and instant decision available for faster approvals and policy issue.

•    No financial verification for face amounts from $10,000 to $100,000
•    Policy ownership by parents or grandparents
•    Parents are the beneficiaries
•    Automatic transfer of ownership when the child reaches age 25

Accelerated Underwriting, No Exams
•    Up to $300,000 for ages 0-17

Single Premium Whole Life Insurance

Most cases reach final approval within three business days once everything is received in good order. 

•    3 underwriting classes
•    Assurity will backdate the policy issue date six months prior to the applicant’s
     signature date to allow for a lower age and qualify for lower rates
•    Conditions like kidney disease, weight loss surgery and heart murmurs may not
     affect your clients’ coverage
•    Consult the impairment guide to check their medical status ahead of time.

Non-Medical Limits
•    Up to $700,000 for ages 0-60
•    Up to $450,000 for ages 61-85

Universal Life Insurance

The speed and simplicity of e-applications cuts underwriting time in half and ensures the app is in good order. 

•    Premium and death benefit flexibility (Level or increasing)
•    Added protection with built-in Premium Protection Period, Enhanced Guaranteed
     Surrender Value, and Overloan Protection Benefit 

Non-Medical Limits
•    Up to $300,000 ages 15 days-17 years
•    Up to $200,000 for ages 18-45
•    Up to $150,000 for ages 46-60
•    Up to $100,000 for ages 61-85

Have clients who don’t qualify for traditional life insurance? Offer coverage with Accidental Death Insurance.

Download the PDF

E-applications

Submit e-applications any time of the day for all of our life products: 

  • Term Life Insurance
  • Life Protect+
  • Whole Life Insurance
  • Children’s Whole Life Insurance
  • Single Premium Whole Life Insurance
  • Universal Life Insurance 

Drop Ticket Option

Simply enter your client’s information and our in-house team will schedule an interview to complete the app over the phone. Available for:

  • Term Life Insurance
  • Life Protect+
  • Single Premium Whole Life Insurance

Quote-to-Application Tool

Available on Term Life and Life Protect+: 

  • Ability to email quotes to clients
  • Prequalify clients
  • Streamline easily into the e-app process and get an instant decision

Pending Case Status

Stay up to date on your life cases with the Pending, Active and Terminated reports on AssureLINK. Monitor case status and view and resolve requirements if needed. 

Underwriting Tips

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