At Protective, we know your time is valuable, so we want to make sure we consistently provide you with the best possible service and underwriting for your informal business.

As you may know, there is a wide variance in how informal applications are packaged. This makes it challenging to be consistent at processing and underwriting informal applications. In an effort to make it easier for you to submit business, we’ve provided Informal Application Guidelines and Requirements below.

Informal Application Guidelines and Requirements

  • Minimum policy face amount of $1 million
  • Face amounts of less than $1 million will be considered when the annual premium is at least $10,000.00.  In these cases, an illustration will be required
  • Maximum proposed insured age of 75
  • A Protective transmittal is available on our website, but any cover letter/transmittal format is acceptable provided it contains all of the information listed below:
    • Proposed insured’s full name, birth date, gender
    • Proposed insured’s city, state and zip code (of residence)
    • Desired product, face amount and anticipated rate class (Though not required, an illustration will be very helpful)
    • A list of pending offers, if any
    • Agency name/contract and number/email

Additional Tips

Below you will find additional details that will dramatically improve our ability to respond quickly and accurately.

  • Primary medical impairments and any unique facts about the applicant
  • List of all prescription medications
  • Any information to help us better understand the situation, including target premium and/or rating class requirements you need to place the case
  • Total coverage in force, and applied for, along with the amount of coverage
  • Basic financials, income and net worth

We will continue to provide quote support for cases submitted through our “Quick Quote” email process, via one page or email summary. Our dedicated “Ask the Underwriter” team is also available to assist with any medical and non-medical questions you may have prior to submitting an application. All you need to do is call the Resource Center or BGA Sales Desk and ask to speak to the “Quick Quote Underwriter of the Day.”

If you have any questions or would like additional information, please contact our sales desk at 877-778-3500, option 1.

Let’s deliver on our promises. Together.

For Professional Use Only. Not for Use With Consumers.

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