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.