Doing business with F&G

Exam-Free1 Underwriting®

Exam-Free1 Underwriting through age 60 and $1 million2 on all products

 

Point-of-sale decision on InstApproval®3-eligible apps on all products.

 

If applicant isn’t InstApproval-eligible, Exam-Free1 Underwriting could still result in best-class rating.

New business and underwriting

Doing business with F&G:
Life Operations overview

Partnering with F&G includes more than just our great products – we want to ensure you and your clients experience our exceptional service and support as well.

Underwriting guidelines

Enhance your understanding with the general underwriting guidelines.

Exam-Free1 Underwriting

F&G’s Exam-Free1 Underwriting is easy, efficient and hassle-free for you and your clients. We know your time is valuable, so we do the heavy lifting and take the guesswork out of the experience for you.

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Field Impairment Underwriting Guide

This is a general rating guide for field underwriting only, reflecting our most commonly seen medical impairments. Not all situations are covered in this guide and with underwriting, results may vary based on age, date of diagnosis, and severity of condition.

Contact Risk Assessment

Call at 800.445.6758, option 2, option 5, or email at RiskAssessment@fglife.com

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Additional materials

Download the translated versions of the Foreign National and Residency Guidelines or Exam-Free Underwriting Overview.

Life underwriting telephone interview guide

What you need to gather and what you can expect before our call to complete information gathering for your life insurance application.

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Foreign national and residency guidelines

Guidelines for applications received on proposed insureds who are not U.S. citizens or U.S. legal permanent residents (“green card holders”) and are living in the U.S. either on a part-time or full-time basis.

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Common Attending Physician Statement (APS) triggers and reasons for a decline

F&G Underwriting is always looking for opportunities to assist you in determining which applications to send to us and to help you manage the expectations of your clients. In this flyer are some common reasons we may order medical records or deny coverage.

Why F&G recommends illustrating most clients at standard rates

For most clients, F&G recommends illustrating at standard rates.

While this doesn’t apply to clients with known medical conditions, the recommendation does apply in most other cases.

Training webinars

Upcoming

Attend F&G live webinars

Join us for informative live sessions featuring content designed to help you grow your business.

Browse upcoming webinars
On-Demand

Visit our F&G life agent training center

Find help with case designs and illustrations, improve your understanding of indexed universal life (IUL), and deep dive into our tools.

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e-App support

Browse the e-App help site for guidance with processes and doing business with F&G.

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Check out the company store

Order fresh F&G gear, get branded office supplies and other F&G merch.

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Help and resources

Looking to explore additional resources, product materials, and training?

Contact us at:
800.773.7086 or Life.Sales@fglife.com

Download life sales contact sheet Download bilingual Spanish sales contact sheet

For financial professional use only. Not for use with the general public.

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1Policy approval is determined by a review of medical and personal history on the application and may be subject to additional underwriting requirements at the discretion of F&G. Review Fidelity & Guaranty Life Insurance Company Underwriting Guidelines for additional details.

2For applicants who are not U.S. citizens or not permanent resident cardholders, the maximum issue face amount for exam-free underwriting is $300,000. In Puerto Rico, exam-free underwriting is available for applicants age 0-45 who are applying for less than $150,000.

3InstApproval® is an underwriting process and is not available to all applicants. Those who qualify for InstApproval®, as determined by an initial questionnaire, are considered low-risk in all critical underwriting categories, and no additional risks can be uncovered in an instant search of online records databases. If risks are found, traditional underwriting may be required, and placement in another Indexed Universal Life (IUL) product may be more appropriate. Same-week coverage requires electronic payment (ACH) of initial premium at time of application.

“F&G” is the marketing name for Fidelity & Guaranty Life Insurance Company issuing insurance in the United States outside of New York. Life insurance and annuities issued by Fidelity & Guaranty Life Insurance Company, Des Moines, IA.

Subject to state availability. Certain restrictions may apply. Optional provisions and riders have limitations, restrictions and additional charges.