See how it differs from traditional underwriting and who qualifies


Give your year-end a boost
with Simplified underwriting


Simplified underwriting offers time savings for you and your clients. Our goal is to help you get IDI business on the books quicker and easier. We do that by eliminating the following:

  • Routine medical requirements1, blood, urine, EKGs, and APSs
  • Financial verification2
  • The need for clients to complete the full medical portion (Part B) of the application

Most people in the working population—those under the age of 503—are good candidates. Simplified underwriting is available for income and business protection solutions.

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Show clients how easy it is to get their disability insurance using Simplified underwriting.

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1 Unless a significant medical condition is reported by MIB, significant medical information is obtained from the TeleApp or other available information, or any other disability coverage has been issued or applied for on a non-medical basis. Applications could be rated, ridered or declined based on all underwriting information available; this is not a guaranteed issue program. Urine/HIV test is required in Maine. Subject to issue and participation limits and a minimum premium requirement. In California, there are no labs required for Simplified single-life cases up to $6,000/month, but an APS and financial documentation are required.

2 Financial documentation required when applying for more than the Simplified amounts—this applies for new applications and adjustments, and for the following occupations (regardless of benefit amount being applied for): Real estate agent/broker, mortgage loan originator/broker, residential construction, real estate developer, attorney specializing in real estate and residential construction. Financial documentation is required if the maximum monthly benefit applied for exceeds these guidelines. Or, with disability income, the coverage applied for is greater than $10,000/month when combined with existing disability coverage (excluding group long-term disability insurance).

3 Higher issue age may be available with underwriting approval.

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Disability insurance from Principal® is issued by Principal Life Insurance Company, 711 High Street, Des Moines, Iowa 50392,

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DI10214 | 11/2020