Protective Applications

Part II Medical Questions Go Digital Effective October 5, 2022, producers can opt for their clients to answer the Part II medical related questions online. This eliminates the feeling of being rushed or feeling uncomfortable answering personal medical questions during a phone interview. Please contact us with any questions. Tel. 248-553-9505 … Read More

Mutual of Omaha Underwriting

Updated Underwriting Guidelines The carrier updated COVID-19 underwriting guidelines and reinstated the Fit underwriting program. These guidelines apply to all fully underwritten life insurance cases and includes all newly submitted and pending in house cases, whether formal or informal. Acceptance Guidelines Based on Insured’s Issue Age Applications now accepted for client’s through age 79 and … Read More

iPipeline Term Engine

Enhancements to the Quote Search Page For the Underwriting Process Filter, the word “Eligibility is added to clarify that a producer will be searching for term product quotes for which the current client is eligible for certain carrier underwriting processes. The Instant Decision is is added to clarify that products with this tag are eligible … Read More

New Carrier Opportunities

IRA Brokerage is excited to announce our partnerships with two reputable insurance carriers, MassMutual Strategic Solutions and Ohio National. Both carriers recently expanded their business to Brokerage to allow more opportunities for insurance producers to write their products. It goes without saying that Mass Mutual’s footprint in the insurance space is substantial. These industry leaders … Read More

PruFast Track Program: New Requirement Effective 7-19-21

From Prudential: Beginning July 19, 2021, all PruFast Track eligible business MUST be submitted via Prudential Xpress QuickForm Worksheet or Drop Ticket. Eligibility Criteria Age: 18 to 60 Face Amounts: $100,000 to $3,000,000 Quoted Underwriting Category: Smoker or better Products: Most of Prudential’s term and permanent products (excludes PruTerm One and Survivorship Products) U.S. Residents … Read More


Effective February 11, 2019, Lincoln is pleased to announce pricing improvements to Lincoln LifeElements® Level Term and to Lincoln TermAccel® Level Term, which will improve competitive positioning in key cells.   * New applications received and applications currently in underwriting will automatically receive the lowest rates available.  A request to use the lower rates will not … Read More


Rate Changes Include Increases and decreases in certain cells. “As of February 19th, AIG Select-a-Term gets even more competitive!  This reprice focuses on improving rates for longer term durations and death benefit amounts $250K+ for certain issue ages and risk classes.  The rate changes will include increases and decreases in certain cells. Click here for more information and … Read More