1. AdvantageGuard Application and Underwriting Quick Facts
Standard Life and Accident
Insurance Company
AdvantageGuard Application and Underwriting Quick Facts

2. AdvantageGuard I. Applications
Standard Life has designed two distinctly different applications specifically for different age groups. B.
The application for ages 26 – 59 is in an 8.5 x 11” one-color (black ink only) format and includes questions about occupations, etc.
The application for ages 60 – is included in a pocket sized, full-color 4 x 8.5” application/brochure combination. A.
Standard Life and Accident Insurance Company

3. AdvantageGuard II. Underwriting Guide
1. The agent can call at the point of sale and the telephone interview can be performed on the spot. Now what could be more convenient?
Standard Life and Accident Insurance Company

4. AdvantageGuard
2. For your convenience, the Height/Weight Chart has been included in the Underwriting Guide so that you can have the specific requirements at your fingertips.
Standard Life and Accident Insurance Company

5. AdvantageGuard
3. The Underwriting Guide includes a list of conditions in alphabetical order that will quickly tell you what will qualify as standard or substandard, and which conditions will be declined.
Standard Life and Accident Insurance Company

6. AdvantageGuard
4. Check the second page of the Underwriting Guide for the underwriting requirements and don’t forget to schedule a Para Med for clients who fall under category D. When the chart requires a Para Med exam, you are responsible for scheduling the exam. The approved Para Med companies are listed along with their contact numbers.
Standard Life and Accident Insurance Company

7. AdvantageGuard III. Rate Card Sample:
Standard and Substandard rates are readily available with the AdvantageGuard rate card. Precalculated rates are available for
$5,000, $7,500, $10,000, $15,000 and $25,000 face amounts.
Sample:
Female, Age 64,
Non Tobacco User,
$5,000 C.O.M. $
x 5
$214.40
+$ (policy fee)
$274.40 X
$ monthly
Standard Life and Accident Insurance Company

8. IV. Submission of Applications by Fax
AdvantageGuard
IV. Submission of Applications by Fax
Process your life applications faster by faxing the applications directly to our Administrative Office at Everything you need is online – an explanation of the process and a Fax Transmittal sheet can be downloaded from the Standard Life website.
Once you are logged on to the Standard Life private site, go to Agent Services on the menu.
Follow the extended menu to Marketing Support and go to Faxing. Under the Faxing extended menu select Life.
Standard Life and Accident Insurance Company

9. AdvantageGuard V. U.S. Patriot Act
Lastly, on a very important note, please be aware that in compliance with the U.S. Patriot Act, the “USA PATRIOT Act Notification and Customer Identification Verification” form (ST-1813) must be submitted with all life and annuity applications to comply with federal regulations regarding Anti-Money Laundering (AML). To access the form, visit our website at login to the agent portal and go to Products in the menu. Click Products by state and click your state. The form can be found on each link to life and annuity products.
For information further regarding AML, please visit our website at login to the agent portal and click on the “USA PATRIOT Act” link at the bottom of the page.
Standard Life and Accident Insurance Company