Introducing Non-Fluid Underwriting Options for California!
Introducing Non-Fluid Underwriting Options for California
We want to help you sell and push more business through during these difficult times—which is why we want to make writing business with North American eveneasier.
Non-Fluid Criteria: Maximum Death Benefit Amounts
Ages 18 – 50: $1 million or less
Ages 51 – 60: $500,000 or less 
Effective immediately, new or pending business that is awaiting an exam or fluids that falls within our non-fluid criteria (also known as accelerated underwriting) could be able to leverage the paper application and other available data sources to determine if the client is eligible to be approved without fluids.
For both new and pending cases, we do not have a specific question for the applicant's build. Please provide the applicant's height and weight in the medical history text box.
How does it work with new business?
Ensure agents work with clients to complete the General Purpose Paper Application (L-3208ACA), including the part 2 medical and personal history questions.
OR
Complete the eApp. Then complete the part 2 and personal history questions via paper (pages 7-9 of the General Purpose Paper Application) with the client.
Submit paper applications and forms to North American via secure document upload or by faxing them to 855‑288‑8150.
How does it work with pending business?
If the client has not completed the part 2 medical or personal history questions, agents will need to work with their client to complete pages 7-9 of the General Purpose Paper Application and send to North American via secure document upload or by faxing it to 855‑288‑8150.

We are actively working to make accelerated underwriting available via a start‑to‑finish electronic process and will share more information when it becomes available.
COVID-19 Resource Page:

For information on our eDelivery option, underwriting updates, premium payments and more, please visit our COVID-19 resource page.
We are dedicated to our agency partners and will continue to find and share ways to help you keep writing business duringthistime.
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Sammons FinancialSM is the marketing name for Sammons® Financial Group, Inc.’s member companies, including NorthAmerican 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.
FOR AGENT USE ONLY. NOT TO BE USED FOR CONSUMER SOLICITATION PURPOSES.
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