Protective Adjusts COVID-19 Underwriting Guidelines

From Protective:

With the surge in COVID-19 cases we wanted to make sure you had the most up to date Protective COVID-19 Underwriting Guidelines. 

Recent COVID-19 infection or positive COVID-19 test

For mild cases, as long as the person has recovered and is symptom free we can consider on a case by case basis after they have recovered. No more 30-day waiting period! For cases that required hospitalization, oxygen, use of a ventilator or organ failure, we would postpone anywhere from 30 to 90 days after they are fully recovered.

Age and Rating Limitations

Ages 0-60: We have reverted to pre-COVID-19 underwriting guidelines. No restrictions!

Ages 61-79: We will postpone coverage if individuals are rated higher than Table 4, however, we can consider with: Evidence of completed COVID-19 vaccination (copy of vaccination card with name, vaccine batch number and date(s) administered). At least two weeks since the final injection. No history of immunodeficiency, impairments requiring IVIG treatment or prednisone dependency.

Age 80+: Postpone

Travel

We have reverted to pre-COVID-19 travel guidelines based on country and case-by-case consideration.

Statement of Health

We will continue to require a Statement Health be signed on delivery for all fully underwritten coverage on any applicant, regardless of age or face amount. 

Cash with Application

Normal pre-COVID-19 cash with application guidelines now apply (Conditional Receipt available in CA and KS).