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IMPORTANT DISCLAIMER - INTERNAL USE ONLY
This underwriting guide is provided as a reference tool to assist agents in the preliminary assessment process only. It is not intended to be a binding offer of insurance coverage or a definitive determination of insurability. The information contained in this guide:
The final underwriting decision will be made by authorized underwriters based on the complete application, medical information, and any additional requirements. Oneday TPA Inc. cannot be held responsible for any misinterpretation or misapplication of these guidelines by agents or staff members.
Always refer cases with complex medical histories or circumstances to the underwriting department for proper evaluation.
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To quickly locate specific medical conditions or underwriting criteria in this guide, use your computer's search function:
Type the condition or keyword you're looking for (e.g., "diabetes," "cancer”) in the search box.
This will highlight all instances of that term throughout the document and allow you to quickly jump to the relevant sections.
The search function will also automatically expand any toggle sections containing your search term, saving you time when navigating this comprehensive guide.
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| Day 1 | Day 1+ | Signature | Deferred+ | Guaranteed+ | |
|---|---|---|---|---|---|
| Type | ✔️ Term and Permanent | ✔️ Term and Permanent | ✔️ Term and Permanent | ✔️ Permanent | ✔️ Permanent |
| Duration of Contract | ✔️ T10, T15, T20, T25, T30, T100 | ✔️ T10, T15, T20, T25, T30, T100 | ✔️ T10, T15, T20, T25, T30, T100 | ✔️ T100 | ✔️ T100 |
| Age Limit | ✔️ 18 -55 years old | ✔️ 18 -75 years old | ✔️ 18 -75 years old | ✔️ 18 -75 years old | ✔️ 18 -80 years old |
| Face Amount | ✔️ $100,000 - $1,000,000 | ✔️ $5,000 - $750,000 | ✔️ $5,000 - $350,000 | ||
| • (61-75: $100,000) | ✔️ $5,000 - $75,000 | ||||
| • (61-75: $50,000) | ✔️ $5,000 - $50,000 | ||||
| Deferral | ✔️ None - Instant Issue | ✔️ None - Instant Issue | ✔️ 24 month deferral for pre-existing conditions. Instant coverage for everything else. | ✔️ 24 month deferral (ROPD) | ✔️ 24 month deferral (ROPD) |
| Rider | ✔️ Cancer | ✔️ Cancer | ✔️ No | ✔️ No | ✔️ No |
| Convertible? | ✔️ Yes | ✔️ Yes | ✔️ Yes | ✔️ N/A | ✔️ N/A |
| Renewable? | ✔️ Yes | ✔️ Yes | ✔️ Yes | ✔️ N/A | ✔️ N/A |
| Additional Benefits | ✔️ Terminal Illness & Transportation Benefit | ✔️ Terminal Illness & Transportation Benefit | ✔️ Transportation Benefit | ✔️ Transportation Benefit | ✔️ Transportation Benefit |