Protective Updates COVID-19 Guidelines

From Protective:

We are very excited to announce that we have improved our COVID-19 Temporary Underwriting Guidelines. The new guidelines have lifted restrictions for individuals who are 0-60 years of age.  These improvements are outlined below, and we have attached the official bulletin that provides additional details.  Any formal application previously postponed due to COVID-19 restrictions can be reconsidered upon request with new app, updated medical records and current underwriting requirements.

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 (no changes to this category)

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 now available in CA and KS).