If Face Amount Greater Than $200,000 or originally quoted annual premium greater than $2500 OR declined due to COVID–19 Restriction ▼
Term and Permanent Products (Ages 18-90) | Fully Underwritten Solutions
If the client submitted an application and it was formally declined:
If able to offer a fully underwritten plan (term or perm), the carrier will require a new exam and OCI will need to retrieve medical records from a physician. These requirements will have to be done again even if the client already completed them.
The expected turnaround time is 2-3 business days.