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See what's changed with our updated underwriting guidelines
May 17, 2023
Protective's Underwriting team works to help you protect the people who rely on your clients. On May 10, we updated our underwriting guidelines.

Protective's Underwriting team works to help you protect the people who rely on your clients. We strive to make our best offer first and we utilize a data-driven approach to find responsible ways to say 'yes' more often.

On May 10, 2023, we implemented updates to our underwriting guidelines. Here are the highlights:

  • Family history: Our Select Preferred criteria will no longer factor in whether a client's parent or sibling had an incidence of cancer, heart disease or cardiac condition prior to age 60 – only whether they died prior to age 60. This means more clients with a family history of cancer or heart disease will qualify for Best Class.
  • Dual manual approach for build: We've discontinued our internal build chart in favor of using the best result achieved from our two reinsurance manuals (Hannover Re & Swiss Re). Credits can be applied in some cases with other favorable risk factors.
  • Senior build: We've implemented minor adjustments to Select Preferred and Preferred build cutoffs for applicants aged 71 and up.
  • Improvements to PLUS Accelerated Program throughput: We made some changes behind the scenes to help more cases qualify for fluidless underwriting, including accelerating more cases at Preferred rates.

See our updated Underwriting Guide for details or contact your representative with any questions.

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