The Global Atlantic Underwriting Advantage
We recognize you have many choices of carriers, and we appreciate and value your trust. The goal of our Underwriting department is to complement and enhance the relationships you have with your clients. We do this through competitive and prudent underwriting decisions that ensure the needed protection will be there for you and your clients.

We call this approach the Global Atlantic Underwriting Advantage.

The Global Atlantic underwriting team has an average 20 years of experience. In fact, our most seasoned underwriter has been in the business for almost 40 years. You’re unlikely to find this level of expertise and attention to detail at any other carrier. Our underwriters know all the intricacies of our business and will work hard to help your clients get the absolute best life insurance offer available.
Underwriting Resources
Field Underwriting guide

Field Underwriting Guide

age amount chart

Age/Amount Chart

Life Credits

Life Credits

Cover Letter

The Importance of a Cover Letter Flyer

Medical Fee Reimbursement

Medical Fee Reimbursement Form

W9 Request

W-9 Request for TIN and Certification

Accelerated Underwriting Program

Fast Lane accelerated underwriting can be a fast, simpler way for your client's to receive a life insurance offer.

 

Resources

Fast Lane Accelerated Underwriting BrainShark video available HERE
 

The UnderRight Life Tool helps you see if your client qualifies. Click here to access UnderRight Life Tool

Life Credits

Global Atlantic's Life Credits Program

Life Credits is a robust, proprietary rate personalization program that allows a proposed insured's favorable health factors to improve their underwriting offer.
 

Life Credits - Recognizing and rewarding healthly habits

Guaranteed Term Exchange Program

Term Exchange Program

A policy exchange program that allows individuals to convert their Term Insurance policies issued by an eligible carrier to any of Global Atlantic's individually insured indexed universal life and universal life products.

Guaranteed Term Exchange Program Flyer

Checklist - External Term Exchange


Guaranteed Term Exchange Program Video
 

UnderRight Life Tool

UnderRight Life brings you:

  • Mobile access to up-to-date underwriting resources and guides
  • “Fast Lane” accelerated underwriting eligibility assessment for your prospects
  • Rating class estimates for non-Fast Lane eligible prospects*
  • “Ask an Underwriter” option to reach an underwriter for your questions or complex cases
     

UnderRight Life Flyer click here
 

Click here to access UnderRight Life tool

Conditional Receipts and Initial Premium Acceptance

You should not take cash with an application, and the conditional receipt should remain attached, if the amount is over $3,000,000 or if you feel the proposed insured has a medical condition that may result in a high rating or a possible decline of coverage.

When accepting cash with an application, we require completion of the conditional receipt. You are responsible for explaining the conditions and limitations of the conditional receipt. The receipt has a start date and stop date. The life insurance limits for this conditional coverage are the lesser of $500,000 or the amount applied for if the proposed insured is insurable at the rate applied for, or $100,000 or the amount applied for, if the proposed insured is insurable, but at a higher rate than applied for. Money should not be taken and the receipt should not be detached for amounts applied for over $3,000,000. 
This information is outlined in the application for life insurance.

 

Policy Delivery (if a change in health)

If the agent finds that there has been any change at all in the health or occupation of the person or persons insured under the policy, or if the agent learns of any additional information that would have a bearing on insurability, then the agent must not deliver the policy. We must be provided with a full statement of the facts and conditions and the policy held until the circumstances can be reviewed in the home office and instructions are received concerning its delivery or return. This procedure must be followed even though settlement was taken and the conditional receipt delivered at the time the application was written.

Questions?
Looking for sales support?

Call (855) 887-4487, option 3, to speak directly with a support agent

Email a support agent at salessupport@gafg.com

Check out our GA OnDemand library of resources