With the impact of COVID-19 still high, we’re re-introducing temporary lab and physical measurement underwriting guidelines in California and New York. These more liberal limits make the guidelines for these two states consistent with the permanent guidelines in other states.

Effective immediately, no physical measurements and labs are needed for applicants ages 18-50 up to the amounts listed below for applications where the written or residence state is either California or New York. These temporary limits are in effect until March 31, 2021:

• Disability Income (DI)—$10,000/month
• Business Overhead Expense—$25,000/month
• Disability Buy-Out and Key Person—$750,000

We highly recommend the use of Human API and encourage your clients to connect their records through that process. Your underwriter can provide more information on Human API if you need it.