As we continue to monitor the COVID-19 situation in our country, we want to ensure we’re providing you the flexibility and resources you need to continue to run your business and protect clients. At North American, we are committed to being here for the long-term. We’ll be here for you as the situation continues to evolve, all the while focused on the health and safety of our distribution partners, customers and employees. Thank you for your business.

Please click on the topics below for a more detailed description on each subject.

Updated: 6/9!

Things to know for submitted and pending business
Underwriting Vendor Updates

Updated: 4/21!

Underwriting Updates

Updated: 6/29!

e-Delivery Option

Updated: 5/11!


Premium Payments & Managing Inforce Policies
Digital Selling Resources & Client Marketing Tools

Updated: 5/11!

California-Specific Information

Updated: 6/29!


Death Benefit Claims

Updates to Submitted and Pending Business

Changes to pending applications

We are changing how we will handle pending applications in order to account for paramedical vendors who may not be in operation in certain areas. The following changes are effective immediately, including cases that have already been submitted.

  • We will extend the time that a case can stay pending while we wait for underwriting requirements from 60 days to 120 days.
  • We will extend our deadline for receiving premiums (after the policy has been issued) from 30 days to 45 days.
  • We are extending our shelf life for labs and paramed (case-by-case basis) to 24 months.
  • We can also take insurance labs from other companies that have been completed (case-by-case basis) within 24 months.
Reminder about Temporary Insurance Agreements

TIA is valid for 90 days maximum. TIA guidelines will remain the same and will terminate automatically on the earliest of:

  • 90 days from the date the application was signed;
  • The date that insurance takes effect; under the insurance contracts as applied for in the application
  • The date an insurance contract other than as applied for in the application is offered to the proposed owner;
  • The date the company mails notice of termination of coverage and refunds the advance premium payment to the proposed owner at the address shown in the application.
Statement of health

As we closely monitor COVID-19, a completed Statement of Health and Insurability form will continue to be required for all New Business and Policy Change cases. For non-1035 cases, the Statement of Health form will be required upon policy delivery. For 1035 cases, the Statement of Health will be required prior to initiating the 1035 exchange.

Policy postponements

Effective Tuesday, April 14, we implemented the following temporary changes to our New Business and Policy Change underwriting guidelines. For all cases not already approved or issued, we will postpone any applications on individuals of the following issues ages* and table ratings:

Issue age Maximum Table Rating Maximum Flat Extra
0 - 60 Table 6 $9.00 per thousand
61 - 70 Table 4 $6.00 per thousand
71 - 75 Table 2 $3.00 per thousand
76 - 79 Standard N/A
80 - up No offer - Postpone N/A

This applies to all products and:

  • All pending business that has not been approved or issued
  • New business
  • Policy change cases

*Issue age is determined by applicable product rules.

Acceptable forms of submission & document types

If you aren't currently using our e-App process, acceptable forms of submission for documents are as follows:

Note: Images of documents that are captured via a camera, program or an APP can be accepted, regardless of the program used.

Temporary travel guidelines
  • We will underwrite any planned international travel on a case-by-case basis/individual consideration.
  • Upon return to the U.S. from any international travel, there will be a 30-day waiting period to apply for coverage.
  • We will adhere to state regulations guidelines for travel.
  • These temporary travel guidelines apply to both new business and policy change.
Known COVID-19 diagnosis

We will postpone policy issuance for new business and policy change until the proposed insured is completely recovered. In addition, we will need documentation (e.g. APS) from the proposed insured's physician confirming the individual has been cleared.

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Underwriting vendor updates

Our vendors have provided us with the current state of their operations and status of their business continuity plans. It is important to note that our vendors are complying with all state, county, and local government directives. To comply with these directives, some areas of the country might experience delays in completing paramedical exams or may be unable to provide these services. Since these directives are frequently changing, please contact your preferred paramedical vendor for availability in your area.

Paramedical exam process updates:
When scheduling appointments to complete paramedical exams, our vendors will now ask the applicant about signs of fever or respiratory distress, recent travel, and close contact with others who have these symptoms or have recently traveled. The answers to these questions will determine the timing of the paramedical appointment. The examiner will also confirm the same information about themselves.

Lab processing:
Our lab companies are operational, have business continuity plans, and do not expect any impacts in processing time.

Medical records providers:
Our medical records providers have also confirmed that they are operational, have business continuity plans, and have stated that there may be some delays in receiving medical records from certain medical facilities. Overall, we are experiencing minimal delays in receiving medical records.

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Underwriting Updates

WriteAway criteria:

Ages 18 - 50: $1 million or less
Ages 51 - 60: $500,000 or less

Expanded WriteAway® Opportunities

Whether you have cases currently pending or are looking to leverage our fully online application process, we want to make sure your business is not impacted.

Pending applications:
Effective immediately, any pending cases with an outstanding paramed exam that fall within the WriteAway process criteria are able to complete the Online Part 2 or tele-interview instead of the paramed exam.

While WriteAway is designed for clients of standard or better risk, the processes for the Online Part 2 or tele-interview can be utilized by all applicants within the age and face amount criteria. This includes clients that are potentially substandard risks. Underwriting will review on a case-by-case basis if labs will be required.

Actions to take:

  • Work with your agencies/agents to determine whether the Online Part 2 or tele-interview is the best process for the client.
  • Contact New Business if you would like either the Online Part 2 or a tele-interview completed in lieu of the paramed exam.
  • Provide the client's email address if requesting an Online Part 2 or their phone number if requesting a tele-interview.

Future applications:

  1. E-Application — We have removed the pre-qualification questions for medical and personal history from the e-App. All applicants age 18-50, 1M or less and 51-60, 500k or less will now qualify to use the WriteAway process. Accelerated decisions will still be based on underwriting risk.
  2. Paper Applications — If the client meets WriteAway criteria, select the Online Part 2 option on our newly implemented application. Please ensure an active email is included to minimize any delay in the process.

Temporary Alternative Underwriting Solutions:
For clients that did not qualify for an accelerated decision or are not eligible for the WriteAway opportunity, we are offering other temporary solutions. For applicants that have completed either the Online Part 2, tele-interview, or a fully completed paper application, we will use other available digital data sources for low substandard ratings up to the preferred rate-class, within these parameters:

  • Ages 18-50 through 1 million
  • Ages 51-60 through 500,000
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Underwriting requirements for applicants ages 61 - 70 — Now available in California


To decrease the need for the face-to-face application process, applicants age 61-70 and face amounts $250,000 or less will be able to complete the part 2 medical history within the e-App. Clients will only need to complete physical measurements, a blood pressure reading, and the blood & urine portion of the exam. The full paramedical exam will not be needed.

e-Delivery option

We also understand that digital copies of policies would be an additional benefit during this time. With this in mind we are implementing a process to allow for the client to receive a digital copy of the policy via secure email. This will be available for new business and policy change policies, effective immediately.

  1. SimpleSubmit® process: The client will now be able to indicate within the e-App if they want to receive their policy electronically. If the eDelivery option is selected, the policyowner will be required to provide an email address. Effective May 9, the 'Consent to do Business Electronically' (eDelivery Consent form) is no longer required for applications submitted through ExactApp for clients who would like a copy of the policy via email.
  2. Paper application process: Submit the completed eDelivery Consent form, available on FormsFactory, along with the paper application.
    • After New Business/Policy Change receives the eDelivery Consent form, they will send a secure email to the client and agent to confirm the client is able to do business electronically. The email will provide specific instructions on how the client can respond and provide their consent. This response will be required before the policy can be electronically sent to the client.
  3. For electronically delivered policies, in order to place the policy inforce we will require:
    • The client to sign a policy delivery receipt in all states. The agent signature is not required on the delivery receipt since the policy was emailed to the client.
    • Any other outstanding delivery requirements (i.e. amendment, illustration, etc.) must be signed and dated by both the agent and client.
    • The agent's signature will not be required on the Statement of Health for any policies that are emailed to the client.
    • As always, delivery requirements may be mailed, securely emailed, faxed, or uploaded to our website by the MGA.

Please see below for answers to frequently asked questions regarding this new eDelivery option.


View the eDelivery Option process for both paper applications and applications submitted through the e-App.


Watch a short overview of the eDelivery Option to learn more about how to use this digital process!

Watch video

Our secure email protection service through ZixCorp makes it seamless for you to receive, read and reply to all encrypted email communication we send you.

Learn more

Download our flyer to learn more about options available to communicate securely online.


In addition to the electronic version, the administrative office will continue to mail the physical policies as we do today. Please be aware that emailing policies may not be available in all states and clients residing in foreign countries are not eligible for the eDelivery option. We will provide updates as applicable.

We continue to fast track our ability to bring you an end-to-end eDelivery in the near future, but hope this option helps you continue to do business in this uncertain time.

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Annuity Maximization: Consumer video

Premium Payments & Managing Inforce Policies

Resources for clients

Many states have adopted and communicated emergency orders related to the COVID-19 pandemic. For your and your clients' convenience, we have included links to state emergency orders on our newly created COVID-19 client resource page.

Grace period for premium payments on inforce policies

In these challenging times, state insurance regulators are issuing bulletins which address insurance carriers making allowance for customers who have been impacted. These temporary procedures do not waive the policyowners' obligation to pay premiums due but may allow the extra time in which to pay them. If you have a client that has been impacted by the COVID-19 pandemic and needs additional time to make their premium payment, please contact our Customer Contact team to discuss the accommodations available.

Accessing policy info online

We’re keeping it simple for policyowners to access inforce policy information on the website.

  • Clients who sign up for an online profile at can complete a number of transactions and make simple changes like updating contact information or changing beneficiaries themselves online.
  • The site also offers Secure Upload, so your clients can scan and transmit paper documents. It works like a modern version of the fax machine (without the long wait).
Policy change

North American's policy change team is here to you keep your business moving forward. We would like to remind you of a few digital options for managing inforce policies:

  • Internal exchange requests can utilize the e-submission process
  • All policy change forms can use DocuSign, except for those that require a wet signature (i.e. 1035 exchange form)
  • Prior medical information, including information gathered through WriteAway® Online Part 2, may be used up to 24 months on any subsequent policy change requests on a case-by-case basis.

Please continue to use the paper application/.pdf and form process for other inforce policy change requests, including:

  • Conversions
  • Increase/decrease in face amounts
  • Reinstatements
  • Adding/removing benefits
  • Rate/class changes

When submitting paper documents, the secure document upload tool on offers the quickest option.

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Digital Selling Resources & Client Marketing Tools

We have great resources to keep your business moving and help you remain compliant when you can’t be face-to-face with clients.

  • 6 Ways to Keep Selling flyer — Our end-to-end application process and digital tools make it easy when you can’t be face-to-face.
  • Digital Selling Webinar — View our webinar recording to learn about tools available to you to help you keep selling and protecting clients.
  • Digital Compliance flyer — Stay compliant in the virtual world.
  • 3 Quick Tips Flyer — Today's environment of uncertainty, social distancing and market challenges require us to think differently about how we conduct business.
  • Best Client Tools Flyer — Get our best tools for getting your clients' attention.
  • Client flyer — Use our customizable flyer to help inspire confidence in clients' decision to choose North American.
  • Virtual meeting guide — Use our virtual meeting guide to help make planning, preparing and hosting your next virtual meeting a success.
  • Virtual meeting checklist — Don't miss a thing! Our checklist walks alongside you as you hold virtual meetings.
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California-Specific Information


WriteAway, North American's accelerated underwriting program, is now available in California! Accelerated underwriting is available for the ages and face amounts shown in the table to the right.

18 – 50 $1,000,000
51 – 60 $500,000 or less
  • Complete the application using North American's electronic application feature, SimpleSubmit.®
  • Clients that meet the age and face amount criteria for WriteAway will complete the part 2 medical questions within the SimpleSubmit application.
  • Once the application is submitted to New Business, the underwriting team will review and determine eligibility. A notification will be sent through your Pending Business Report when a decision is made.
    • If eligible for WriteAway, no labs will be requested and you will receive notification when the case has been approved.
    • If labs are needed, you will be notified and the case will automatically proceed to the traditional underwriting process. The administrative office will schedule an appointment to have the client's blood pressure, physical measurements, pulse, and labs taken.
  • There is no need to opt-in. As long as you complete the online application available through SimpleSubmit, and your client meets our requirements (age and face amount), the WriteAway process will automatically be used with their application.
  • Paper applications for New Business and all Policy Change cases are not eligible for the WriteAway process in California.

For your client(s) to qualify for a non-fluid decision via the WriteAway program, the following must also be met:

Applications format SimpleSubmit® applications only
No major medical impairments See the impairment chart listed in the WriteAway Field Guide for California.
Underwriting classes Standard (Tobacco and Non-Tobacco users), Preferred (Tobacco and Non-Tobacco users), and Super Preferred. Flat extras are allowed for avocations and aviation only.
Additional or companion policies Additional and/or companion policies are allowed if the total line of coverage does not exceed the maximum allowed face amount. A look back period of 2 years will also apply for total line.

WriteAway Resources:

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Death Benefit Claims

How do deaths related to COVID-19 impact benefit claims?

There is no specific COVID-19 exclusion impacting death benefit payments of our life insurance policies. Please note that any death that occurs during the contestable period requires a routine contestable investigation, as defined by the incontestability terms in the policy. An investigation includes the review of multiple variables (including accuracy of information presented on the application, policy provisions and applicable state laws, rules and regulations).


North American does not provide legal advice. If your agents or your clients have specific questions with regard to state laws, we recommend that you discuss those with your own independent legal counsel.

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ZixCorp is an independent third-party company and does not endorse North American's products or services and is not affiliated with North American.

Sammons FinancialSM is the marketing name for Sammons® Financial Group, Inc.’s member companies, including North American Company for Life and Health Insurance®. Annuities and life insurance are issued by, and product guarantees are solely the responsibility of, North American Company for Life and Health Insurance.