Bulletin number: Retail FB19-185, Independent AD19-1001
Subject: Q4 Mission Addition Underwriting Program

Main message: Tap into this limited-time Underwriting program (Q4 Mission Addition) to get your clients the added coverage they may need on select life insurance policies from AXA Equitable Life Insurance Company (AXA Equitable) and MONY Life Insurance Company of America (MLOA) and top competitors. Clients can apply for additional coverage with limited underwriting and the choice of two perks (Mission Addition Advantage): an improved rating class or the addition of the Long-Term Care Services Rider. See the following pages for details.
Who: Financial Professionals
What: Q4 Mission Addition Underwriting Program
Where: Program details are listed below.
When: Promotion begins October 1, 2019 and ends December 31, 2019.
Why: We’re on a mission to make sure your clients have the life insurance protection they need. Way too many Americans are uninsured, underinsured, or have a policy that can’t adjust to meet their changing needs. It’s time to remedy that!
How: Reach out to the Life Sales Desk at the number below for more information.

Program details


Attained age 18-60
Face amounts $100K – $1MM
But no higher than the face amount of the most recent fully underwritten qualifying policy
Products New coverage is limited to individual Permanent products only. See 2017 CSO Transitions for Life Insurance Products bulletins for deadlines.


Qualifying policies are fully underwritten: Previous rating: Note:
With AXA Equitable or MLOA within the past 7 years Standard or better
With select carriers* within the past 5 years Better than Standard See list of carriers below.*


  • Flat Extras are not permitted.
  • Term Conversions and Internal Replacements are not eligible within this program.

Program features and benefits:

  • Get your clients the coverage they need and save time and effort. Non-invasive underwriting sources will be used to determine eligibility for this program.
  •  As an added bonus, clients with favorable underwriting may also qualify for their choice of:
    1.  A one rating class upgrade OR
    2. The addition of our Long-Term Care ServicesSM Rider, subject to the LTCSR questionnaire

Underwriting requirements

  1. For competitor policies:
    • Copy of policy data page along with a copy of the Part I and Part II of the application included in the policy and used for original underwriting
    • AXA Equitable or MLOA application
    • A completed Medical Information Questionnaire (MIQ)
    • Any other application supplement forms/questionnaires, where applicable
  2.  For internal policies:
    • AXA Equitable or MLOA application
    •  A completed Medical Information Questionnaire (MIQ)
    • Any other application supplement forms/questionnaires, where applicable
  3.  MVR and prescription check will be ordered by the Home Office

APS may be required when deemed necessary by the Underwriter.

How to indicate interest for this program
Please add a note within the remarks section of the application: Applying for the Q4 Mission Addition Underwriting Program. And we will take it from there.

*List of acceptable carriers for externally underwritten policies
Only select carriers with similar underwriting requirements and guidelines will be considered under in this program.

  •  AIG
  • Brighthouse Financial
  • Farmers
  • John Hancock
  • Lincoln Financial Group
  • MassMutual
  • Met Life
  • Nationwide
  • New York Life
  • Northwestern Mutual
  • Pacific Life
  • Penn Mutual
  • Principal
  • Protective Life
  • Prudential Financial
  • Symetra Financial
  • Transamerica
  • Voya

Reservation of rights
The company reserves the right to amend, alter, modify or terminate this promotion at any time in its sole discretion.

Securities offered through The Leaders Group, Inc. Member FINRA/SIPC 26 W. Dry Creek Circle, Suite 800, Littleton, CO 80120, 303-797-9080.

GBS Insurance and Financial Services, Inc. is not affiliated with The Leaders Group, Inc. You may check the background of investment professionals on FINRA Broker Check

Copyright @2024 Premier Brokerage Services