Agent AI
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Carrier: Mutual of Omaha (United of Omaha Life Insurance Company)
Program: Accelerated Underwriting (AU)
Product Types: Fully underwritten Term and IUL policies only
Eligibility Requirements:
- Applicant age 18–60
- Face amount between $100,000 and $2,000,000
- U.S. citizen or permanent resident
- No tobacco or nicotine use (must meet standard non-tobacco criteria)
- Build must fall within standard build chart guidelines
- No red flags or STOLI indicators
Submission Requirements:
- Electronic application (drop ticket or iGO eApp)
- No paper apps accepted for accelerated consideration
- No labs or paramed exam required if eligible
- Decisions typically made within 48–72 hours
Ineligible Medical Conditions: Applicants with the following are not eligible for Accelerated Underwriting and will require full underwriting:
- Any history of cancer (except basal/squamous skin)
- Diabetes (Type I or Type II)
- CAD, COPD, or Hepatitis
- Sleep Apnea (even if controlled)
- Substance abuse (past or present)
- Seizures or epilepsy
- Any ratable medical condition or table rating
Important Notes:
- Eligibility is determined after application submission via internal scoring systems
- Applicants may be referred to full underwriting at any stage
- Do not promise AU approval to clients—Coach Kelly should advise agents to pre-screen carefully
