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Carrier Update: Securian’s Enhanced Guidelines Drive Competitive Underwriting for Juvenile Policies!

Securian Financial actively reviews underwriting guidelines to ensure they are delivering consistent and overall improved underwriting offers. Their most recent update relates to their juvenile guidelines:

  • Up to $250,000 of coverage on juveniles without the usual 50 percent restriction of parental coverage.
  • Extended consideration for grandparent gifting scenarios.
  • Expanded underwriter guidance for juvenile build considerations, resulting in fewer attending physician statements (APSs)

As a tip, we encourage a cover letter for your cases that exceed $1,000,000 of death benefit. For instances like this, feel free to work with Madison’s underwriting team as they can help with specific scenarios.