Life Insurance Underwriting
Helping clients achieve the best rating possible and having more time to sell is easy when you take advantage of our valuable programs and services. Couple that with competitive turnaround times, ready access to your underwriter and dedicated case managers, and you have an underwriting experience that’s just right.
Quick links
- Underwriting Guide (BB10009) (PDF)
- Request Part B
Your clients may qualify for a quicker, easier process with our Accelerated Underwriting.
Our Underwriting Guide provides a convenient overview of services, impairments information, programs and guidelines.
- Attending Physician Statements (APS)
- Capacity, Auto Bind and Jumbo Limits (PDF)
- Foreign National and Foreign Resident Guidelines (PDF)
- Guaranteed Issue and Simplified Issue
- Medical Information Bureau (MIB) Sheets
- Risk Assessment – Adverse Action
- Risk Assessment – Non-Medical
- Routine Requirement Charts
- Tobacco/NonTobacco
- Life Drop Ticket (use for Term products - all access). Speed up the application process by submitting basic coverage and customer(s) information. Principal TeleApp contacts the insured to complete the Part A, B and applicable forms with eSignature. Learn more. (PDF)
- Life E-App (use for UL products - Principal Advisor Network access only). Powered by iPipeline®, this tool helps take the guess work out of insurance paperwork by electronically guiding you through the complete application process, including eSignature. This link is for Principal Advisor Network access only; independent financial professional access is provided by the brokerage general agency office.
- eSend. This electronic submission tool can expedite your new business documents. (Login required.)
- Create an App. Answer a few quick questions and then get a listing of all the required submission documents for easy viewing and printing.
- Request Part B. Schedule a trained professional to complete the medical portion Part B (Part II) of the application for you.
- New Business Guide (PDF). Outlines how to get your business submitted quickly and accurately.
- Principal Express Edge. Your policy could be underwritten in as few as four days if a clean application is submitted.
- Multi-Life Business Underwriting Program. Provides insurance solutions to business executives and key employee groups. Guaranteed Issue and Simplified Issue options available. View program details. Approval and written offer are required prior to submitting applications. Submit Guaranteed Issue/Simplified Issue Underwriting Inquiry.
- Business Solutions Enhanced Underwriting Program. Provides streamlined underwriting for larger face amounts (those that exceed Principal Accelerated UnderwritingSM.
Pending Business Report – Track the progress of your business as it goes through the underwriting and issue process.
Underwriting Guide (BB10009)
Provides a convenient overview of services, impairments information, programs and guidelines.
View (PDF) • Order
New Business Guide (BB10816)
Walks you through the process of getting your business submitted quickly and accurately.
View (PDF)
Underwriting overview flyer for clients (BB12189)
Put clients’ minds at ease about underwriting and what to expect in simple terms.
View (PDF) • Order
- Contact your home office underwriter or call 800-654-4278.
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