Steps to Apply

What is Intelligent Underwriting?

Nationwide® Intelligent Underwriting is a streamlined approach to the life insurance application process — one that will greatly save time for you, your staff and your clients.

 Intelligent Underwriting:

• Reduces the time needed to reach an underwriting decision

• Eliminates the need to talk to clients about their personal medical history

• Minimizes the number of attending physician statements needed 

• Shortens paramedical exams — or completely eliminates them for those who qualify for acceleration1

• Cuts down the amount of time you and your staff spend on paperwork

 Here’s how it works:

1.     Application

Producer submits a shortened application

2.     Tele-interview

 Clients complete a medical interview at a convenient time

 3.     Evaluation

 Interview results and data are reviewed.

 4.     4a. Abbreviated exam

 Shortened paramedical exam, labwork and other requirements with fewer attending reports are ordered.

4b. Accelerated decision

Some of the healthiest clients may be accelerated

 5.     Decision

 Step 1:

Application

Our new, streamlined paper application is now available for our broker partners who may not have access to iPipeline.

To access the application:

1. Go to nationwidefinancial.com/bgaiu and scroll down to the Navigate to iPipeline section.

2. Click on Forms & iPipeline eApplications and select iPipeline e-Forms

3. Then, select New Business Intelligent Underwriting — Brokerage Only

After completing the paper application with your client, submit it following the instructions on the application.

 Step 2:

Tele-interview

Once we’ve received the paper application, your client will be contacted to complete their tele-interview immediately or they can select a more convenient time.

The benefits:

• Eliminates the need for you to talk with clients about their medical history

• Streamlines the interview process for your client to an average of less than 30 minutes (depending on your client’s history and readiness for the call)

 Step 3:

Evaluation

Your client’s interview results and data are reviewed.

 Step 4a:

Abbreviated exam

After the interview is complete, the results are evaluated and some clients may need to complete a shortened paramedical exam.

The benefits:

• Labwork is automatically ordered by Nationwide

• Exam times are shortened

• Fewer attending physician reports are needed

Step 4b:

Accelerated decision

For some of your healthiest clients, an underwriting offer will be made immediately after Step 3 (Evaluation) without the need for a shortened paramedical exam or labwork.

Step 5:

Decision