Legal & General Underwriting Field Guide Update

Underwriting Field Guide update and a reminder of changes to COVID-19 temporary guidelines

Please see included list ("View Details") of declined and postponed situations and impairments to the Underwriting Guide in order to assist agencies and advisors in their field underwriting and for consideration before submitting business for clients with these conditions.

Other updates include a section on Get More, Get Less customization now available for digital applications, as well as links to more information on our Lab Lift exam substitution program.

Note: The URL to this document has not changed so if your website links directly to our posted document, simply refresh to see the June 2021 version. If you have downloaded or posted previous versions, please remove and replace with a current copy.

June 3rd Updates to Temporary Underwriting Guidelines

Last year, Legal & General implemented temporary underwriting guideline changes due to the COVID-19 pandemic. The team has been closely monitoring the COVID-19 impact and while the situation remains fluid, they are continuing to take positive actions to help more families and businesses get the coverage they need. See a summary of the underwriting guideline changes below:

New Age* and Risk Profile Postponement Parameters

Full consideration based on pre-COVID underwriting guidelines for ages 20 – 70. They will continue to postpone ages 71 and over with a tentative rating exceeding Table 2 AND the risk profile includes any of the referenced underlying chronic conditions.
*Age is defined as age nearest birthday

The advisor COVID-19 Response page has been updated to reflect these changes.

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