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While IA isn’t typically known first for simplified issue, over the past few years Access Life has become a key secondary option for hard‑to‑insure and non‑medical clients — often coming through as the solution when traditional underwriting hits a wall. That’s why I’m reaching out today to hopefully get a conversation started.
Consider this your “fire sale” window.
Effective March 30th, the Access Life application is undergoing updates — specifically within the insurability questions.
Pricing and coverage tiers remain unchanged, but the qualification path will shift.
Here’s a quick snapshot of what’s coming:
What’s Changing (NEW QUESTIONNAIRE)?
- More targeted insurability questions
– Designed to provide a clearer picture of the client profile - New direct path to guaranteed insurability
– When an underwriting counter‑offer is made, advisors can transition directly to the guaranteed insurability step - Removal of the “Deferred Plus” option
– No longer available if the client has been declined or deferred in the past 24 months - Wording updates, including more “In your lifetime…” phrasing
- Lifestyle questionnaire expansion
– Beyond the current 12‑month window - New decline/postponed question
- Updated travel question
- Plus a few more refinements to risk assessment
Why This Matters Right Now
If you have clients sitting on the fence — those harder‑to‑insure cases, grey‑area health histories, or non‑medical clients — now is the time to get applications in under the current question set.
Between now and March 30th, we have a unique window where:
✔ The existing, shorter questionnaire (OLD Questionnaire) applies
✔ Pricing stays the same
✔ The current underwriting pathways remain available
Think of this as a limited‑time opportunity to secure coverage for clients who may not qualify as easily under the new structure. If you’d like to review a case or need help positioning this with a client, I’m here and happy to walk through scenarios with you.
Let’s make the most of this window.
Please do not hesitate to reach out if we could assist further.
EVO Web Link: web version of EVO Insurance
