Informal Applications

What is an Informal Application?American General Life Insurance Company’s (AGL) Informal Process allows our underwriters to review detailed case history and allows your clients to await their review without having to complete the medical requirements until you and they are sure how to proceed.

We know you need answers for these clients right away and you need competitive offers to present, so most of the time you’ll get an answer from us within 5 days of your Informal package being received. More than 45% of the Informals we review are offered standard rates (or better), and more than 20% are offered either Preferred or Preferred Plus!

We know every Informal won’t get our best rates, however, even rated offers may qualify for our competitive pricing, which allows table ratings to be made based not on expensive standard premiums, but rather on our discounted Special Class rates – which may result in significant savings for your clients!

Types of Informal ApplicationsObtain timely and competitive quotes on your business before taking a formal application in one of three ways:

1. Quick Quote A short e-mail for a fast response.

2. Attending Physician Statement (APS) Summary Submit summarized medical records.

3. Full Informal A preliminary submission with full medical records.

Please note: The Informal Quote Processing cover sheet (AGLC100685-D) must be included with the Full Informal request.

The following parameters are in effect for submitting informals via an APS Summary (option 2) or a Full Informal (option 3) with AGL:

• APS Summary – contract with a third-party service or a trained Life Insurance Underwriter to provide AGL with a synopsis of the important elements of medical records.

• See the chart below for minimum face amounts and maximum issue age for term and permanent individual life informal review. There is no maximum issue age for informals for survivorship coverage.

Informal Application GuidelinesPlease follow the Qualifying Guidelines listed below when submitting Informal applications.

QUOTE OPTION PROCESS TURNAROUND

BGA Quick QuoteBrokerage General Agents can email Quick Quote requests to (AGL)

Short e-mail summary: “I got a guy...” make it a short email, 15 lines or less; provide BGA/Agency code. See eStation for additional information on Quick Quotes. No attachments or personally identifiable information can be accepted.

Most responses within 1 business day

APS SummaryMedical Summary and a HIPAA Authorization listing the appropriate insurer (AGL or US Life)

APS Summary from a third-party service provider or a trained Life Insurance Underwriter; include any EKG, cath, echo or pathology reports; provide BGA/Agency code and face amount

Term informals: Minimum $2 millionPermanent informals: Minimum $1 millionSurvivorship informals: Minimum $1 million

The maximum age for individual life informal review is 80.

Most responses within 5 business days

Full InformalFull Informal with APS and a HIPAA Authorization listing the appropriate insurer (AGL or US Life)

Full APS Information with HIPAA Authorization; provide BGA/Agency code and face amount

Term informals: Minimum $2 millionPermanent informals: Minimum $1 millionSurvivorship informals: Minimum $1 million

The maximum age for individual life informal review is 80.

Most responses within 6 business days

FOR FINANCIAL PROFESSIONAL USE ONLY. NOT FOR PUBLIC DISTRIBUTION.

Policies issued by American General Life Insurance Company (AGL), except in New York, where issued by The United States Life Insurance Company in the City of New York (US Life). Issuing companies AGL and US Life are responsible for financial obligations of insurance products and are members of American International Group, Inc. (AIG). AGL does not solicit business in the state of New York. Products may not be available in all states and product features may vary by state.

FOR FINANCIAL PROFESSIONAL USE ONLY. NOT FOR PUBLIC DISTRIBUTION.

AGLC105725-LB REV0718 ©2018. All rights reserved.

Required Documentation/InformationThe following information/documentation is required:

• Submit the Informal request using the coversheet. Make sure to include:

• BGA Name/Agency code

• Face amount

• Product type (term, permanent or survivorship)

• Contact information for follow up

• HIPAA Authorization listing the appropriate AGL insurer (AGL or US Life)

• Full APS

How to Submit InformalsThe various methods to submit Informal applications are listed below.

1. E-mail Informals@aglife.com (max 20 MB)

2. eSubmission Take advantage of the streamlined Informal handling by using the specific eSubmission selections included below. Skipping the outlined steps will delay processing.

• ExamOne and Paperclip Image Only Users: Enter “Quote” in the business area/business type field within your imaging system.

• ZipzAPP Users: Select “Informal” after logging in. ZipzAPP will walk you through the remaining steps.

3. Fax 1-855-323-6920

4. Mail PO Box 90503, Amarillo, TX 79105-4003

All quotes are based on information received and are not to be construed as a formal offer of insurance. Each application will be underwritten individually. All turnaround times listed are guidelines only and particular cases may require additional review.