May 26th, 2021

Illinois Mutual
Underwriting Updates

Sales Insights

Updated Temporary
Underwriting Guidelines

Because of the progress being made in the fight against COVID-19, we are following some updated temporary underwriting guidelines for both Life and Disability Income Insurance (DI) business submitted to us.

Below are some of the general guidelines, but we encourage you to reach out to your sales and underwriting teams for more information regarding all temporary underwriting guidelines. We are here and ready to assist you!

Life Insurance Ages

Ages 0-65

If rated above Table L, no offer of coverage is available.

Ages 66-80

If rated above Table F, no offer of coverage is available.

Ages 81+

No offer of coverage is available.


Guidelines for both Life & DI

  • If the applicant is under medical advice for self-quarantine/self-isolation pending medical evaluation/medical test results or has a positive COVID-19 test result, diagnosis or treatment, no offer of coverage is available until 30 days post full recovery (90 days post full recovery for COVID-19 hospitalization).
  • If the applicant is planning or has recently returned from foreign travel (including cruise ship voyage), we will require a minimum 30-day period in the United States with evidence of good health prior to offering coverage.
  • In some cases, a COVID-19 questionnaire and statement of health may be required. For some DI cases, an additional amendment of application affirming current employment and income may be required.

We continue to monitor U.S. Department of State and Centers for Disease Control and Prevention travel advisories and restrictions to help guide our efforts and will keep you apprised as we move forward together.

Direct Access to Underwriters

If you have any questions about the above temporary underwriting guidelines or any other matters regarding your cases, remember that with Illinois Mutual you have the ability to contact underwriters directly without the need to speak with a call center or underwriting assistant. The underwriter’s direct phone number and extension and direct email are readily available to you.



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100 Miracle Mile, Suite 250
Coral Gables, FL 33134
Phone: 305-448-0100
Toll Free: 800-790-2019
Fax: 305-448-2022