Please utilize our Preperation Materials to assist you in preparing your next and all future Life Applications.

Underwriting Guides:

ANICO UW Guide

Aviva UW Guide

AXA-Equitable UW Guide

Industrial Alliance Pacific

Midland National UW Guide

National Western Life UW Guide

Phoenix Life UW Guide

Principal Life UW Guide

West Coast Life UW Guide

Quick Guide for Financial Underwriting Thresholds

Cover Letters: 

Cover letters should be written on any application over $100,000 face in permanent coverage.  Cover letters give the underwriters clear and concise understanding of the clients medical ailments, exercise routines, financial status, hobbies, and personal makeup.

Cover Letter Example 1

Cover Letter Example 2

Cover Letter Example 3