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Actions Advisors - Life Insurance
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Actions Faster, More Efficient Underwriting Get On Board PruFast Track
Faster, More Efficient Underwriting
Get On Board PruFast Track
Prudential's new accelerated underwriting process makes it faster and easier for eligible clients to get life insurance, while giving you more time to grow your business.
Watch our quick video to see how we've evolved to make underwriting easier for you and clients.
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Actions PruFast Track Has Advantages for You and Clients
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Actions Fast Approvals
Approvals may come in days, not weeks.
No Medical Exams
Saves You Time
Convenient
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Actions How PruFast Track Works
STEP 1: Submit E-Application
No need to submit medical exams to start the application. Just e-submit and Prudential takes care of the rest.
STEP 2: Client Interview
Can happen within 24 hours!
The sooner a client completes the interview, the faster the decision is made. PruFast Track determines if the client qualifies for accelerated underwriting.
STEP 3: Notification
You and the client are notified. If they’re on the PruFast Track accelerated path, the policy is issued within 48 hours. If not, they might need to go through traditional underwriting.
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Actions Discover how Prudential is using the power of big data and technology to innovate, evolve, and deliver better solutions to clients.
Learn more about accelerated underwriting
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Actions 
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Actions All Sorts of Clients Qualify for PruFast Track Accelerated Underwriting
Exploring these case studies can help you see which clients might qualify.
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Actions Here are four examples of different types of clients who may qualify for PruFast Track Accelerated Underwriting. The first is William. He is 32 and has acid reflux. The second is Donna. She is 26 and is healthy. The third in line is Michael and he is 43 and used to smoke. The last in the row is Janice. She is 49 and deals with a little anxiety. If you click on their names you'll see that William is an avid runner and is considered healthy. He is likely to qualify for PruFast Track Accelerated Underwriting. Donna is also likely to qualify since she is young and maintains a healthy weight and BMI. Michael quit smoking 20 years ago and even though his construction job could be dangerous, he is likely to qualify. Janice is a little bit overweight and her anxiety levels have her on an anti-depressant drug when she needs it. She is not going to qualify for PruFast Track but under traditional underwriting she may still qualify for non-tobacco rates.
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Actions Frequently Asked Questions
Yes. The client interview is required to collect personal, medical, and family information in a consistent, efficient, and repeatable method. We determine if there’s a need for a medical exam and then order exam requirements after the interview is completed and the authorization is received; therefore, it is important to have the client complete the interview shortly after the case is submitted.
Individuals who qualify may receive an Accelerated decision within a few days, possibly on the same day. If additional underwriting is required, Prudential will gather the information and notify you as soon as a decision is reached. Prudential will only gather additional underwriting evidence based on the unique profile of YOUR individual client.
The PruFast Track process is based on a statistical model. We studied clients who had been approved for our top three risk classes (Preferred Best, Preferred Non-Tobacco, and Non-Smoker Plus) in the past to determine what characteristics they had in common. Those clients who have similar characteristics as determined by the model will be put on the Accelerated path. Clients who do not follow the Accelerated path can still qualify for our top three risk classes.
No, PruFast Track uses the same underwriting guidelines as traditional underwriting, therefore, the risk class decision for PruFast Track and traditional underwriting will be the same.
Depending on the nature of the change, a medical exam may be required. For instance, if an increase in face amount or a change to a permanent product is requested, there is a high likelihood that a medical exam will be required. Therefore, we recommend that the initial application reflect the client’s intentions.
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Actions If you’re already appointed with Prudential, visit PruXpress to learn more about how life insurance can help your clients meet their protection needs.
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Actions Created Exclusively for Financial Professionals. Not for Use with Consumers.
For Compliance Use Only:1014650-00003-00 Ed. 10/2020