Important Update regarding Informal Applications + One Class Upgrade Program

Update to Informal Application Process

One Class Upgrade Program

Zurich Contact Sheet | About Zurich | Zurich Strengths | View as Webpage

Hello,

To ensure that we continue to provide you with the best possible service, informal applications will now be limited to issue ages 75 and younger.

We will continue to accept QuickQuotes as an alternative. As a reminder, QuickQuotes cannot include any identifying information or medical records.

Additionally, please note that our old site (affluentmarkets.zurichna.com) is no longer available. Please visit life.zurichna.com and register for the new site. For staff, please download and complete the excel set up file and e-mail it to life@zurichna.com so that we can add your team to our system prior to registering.

Lastly, don't forget about our One Class Upgrade Program! Zurich's One Class Upgrade program can help get clients age 70 and below to a better underwriting class if one condition is keeping them out.

If one of the following falls outside of the next best class's criteria:

Cholesterol
Blood Pressure
Build
Family History

The client may still be eligible for the next best class:

From Standard Non-Tobacco to Standard Plus:
3 of the above criteria must meet our Preferred category.
From Standard Plus to Preferred Non-Tobacco
3 of the above criteria must meet our Preferred Best category.
From Preferred Non-Tobacco to Preferred Best
3 of the below criteria must be met:
Cholesterol: 200/4.5
BP: 130/80 or better
Build: 15 lbs. lower than our maximum from our Preferred Best Chart
Family History: No CAD/Cancer death prior to age 70

How can your client benefit? Let's look at a case study.

51 Year Old Male, 5'11" and 208 lbs., Non-Smoker
Cholesterol/HDL: 240/5.5; Blood Pressure: 140/88
Family History: Father passed away at age 50 due to heart attack
Typical decision: Standard Plus due to family history
Offer: Preferred Non-Tobacco with One Class Upgrade Program

Please click below to download our underwriting information.

Underwriting Guidelines | COVID Guidelines | International Guidelines

One Class Upgrades | Table Reductions

Submit a QuickQuote

Click here to submit a QuickQuote. Include a case summary of (no names, no files) in the e-mail.

Eileen Ehlers

Chief Underwriting Officer

E-mail: eileen.ehlers@zurichna.com

Web: life.zurichna.com

For Agent and Broker Information Only. Not for Use with Clients or the Public.

In the State of New York, insurance products are issued by Zurich American Life Insurance Company of New York, a New York domestic life insurance company located at its registered home address of Four World Trade Center, 150 Greenwich St, New York, NY 10007. In all states other than New York, insurance products are issued by Zurich American Life Insurance Company, an Illinois domestic life insurance company, located at its registered home address of 1299 Zurich Way, Schaumburg, IL 60196.

Certain coverages may not be available in all states and policy provisions may vary by state.

2021-49-A