[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"detail-sidebar-cat-0-en-105":3,"doc-seo-295800-105":59,"doc-detail-295800-en":130},{"code":4,"msg":5,"data":6},0,"success",[7,13,18,23,28,33,38,43,48,51,55],{"id":8,"doc_module":4,"doc_module_name":9,"category_name":10,"show_sort_weight":11,"slug":12},1,"Document","Story & Novel",90,"story-novel",{"id":14,"doc_module":4,"doc_module_name":9,"category_name":15,"show_sort_weight":16,"slug":17},2,"Literature",80,"literature",{"id":19,"doc_module":4,"doc_module_name":9,"category_name":20,"show_sort_weight":21,"slug":22},4,"Exam",70,"exam",{"id":24,"doc_module":4,"doc_module_name":9,"category_name":25,"show_sort_weight":26,"slug":27},5,"Comic",60,"comic",{"id":29,"doc_module":4,"doc_module_name":9,"category_name":30,"show_sort_weight":31,"slug":32},6,"Technology",50,"technology",{"id":34,"doc_module":4,"doc_module_name":9,"category_name":35,"show_sort_weight":36,"slug":37},7,"Healthcare",40,"healthcare",{"id":39,"doc_module":4,"doc_module_name":9,"category_name":40,"show_sort_weight":41,"slug":42},8,"Research & Report",30,"research-report",{"id":44,"doc_module":4,"doc_module_name":9,"category_name":45,"show_sort_weight":46,"slug":47},9,"Religion & Spirituality",20,"religion-spirituality",{"id":46,"doc_module":4,"doc_module_name":9,"category_name":49,"show_sort_weight":46,"slug":50},"World Cup","world-cup",{"id":52,"doc_module":4,"doc_module_name":9,"category_name":53,"show_sort_weight":52,"slug":54},10,"Lifestyle","lifestyle",{"id":56,"doc_module":4,"doc_module_name":9,"category_name":57,"show_sort_weight":24,"slug":58},19,"General","general",{"code":4,"msg":60,"data":61},"ok",{"site_id":62,"language":63,"slug":64,"title":65,"keywords":66,"description":67,"schema_data":68,"social_meta":123,"head_meta":125,"extra_data":127,"updated_unix":129},105,"en","631mm-underwriting-guidelines-agent-use-only","631MM Underwriting Guidelines - Agent Use Only","","Guidelines for agents on life insurance underwriting and new business requirements used by Midland National Life Insurance Company. Covers overview of underwriting philosophy, mail and website handling, general rules, substandard ratings, temporary life insurance agreements, requirements shelf life, ExactApp and WriteAway information, electronic signature acceptance, approved paramedical facilities and preparation, APS guidelines, and traditional underwriting requirements including tobacco and marijuana definitions, foreign national criteria, and residence/travel. Includes underwriting criteria by age groups and financial documentation requirements, plus definitions and commonly used application supplements.",{"@graph":69,"@context":122},[70,84,105],{"@type":71,"itemListElement":72},"BreadcrumbList",[73,77,79,82],{"item":74,"name":75,"@type":76,"position":8},"https://docshare.wps.com","Home","ListItem",{"item":78,"name":9,"@type":76,"position":14},"https://docshare.wps.com/document/",{"item":80,"name":35,"@type":76,"position":81},"https://docshare.wps.com/document/healthcare/",3,{"item":83,"name":65,"@type":76,"position":19},"https://docshare.wps.com/document/631mm-underwriting-guidelines-agent-use-only/295800/",{"url":83,"name":65,"@type":85,"image":86,"author":91,"headline":65,"publisher":94,"fileFormat":97,"inLanguage":63,"description":67,"dateModified":98,"datePublished":99,"encodingFormat":97,"isAccessibleForFree":100,"interactionStatistic":101},"DigitalDocument",{"url":87,"@type":88,"width":89,"height":90},"https://docshare.wps.com/thumbnails/631mm-underwriting-guidelines-agent-use-only/295800.png","ImageObject",300,407,{"name":92,"@type":93},"Cart","Person",{"url":74,"name":95,"@type":96},"DocShare","Organization","application/pdf","2026-10-22","2026-09-18",true,{"@type":102,"interactionType":103,"userInteractionCount":44},"InteractionCounter",{"@type":104},"ViewAction",{"@type":106,"mainEntity":107},"FAQPage",[108,114,118],{"name":109,"@type":110,"acceptedAnswer":111},"What approach does Midland National use for life insurance underwriting decisions?","Question",{"text":112,"@type":113},"Midland National uses a common-sense approach to help ensure fairness to the proposed insured, deliverability by the producer, and profitability for the company. Favorable and unfavorable risk factors are balanced case by case to achieve the best risk class possible.","Answer",{"name":115,"@type":110,"acceptedAnswer":116},"How are underwriting documents processed for new business applications?",{"text":117,"@type":113},"Paperwork (other than 1035 Exchange forms and premium remittance) is processed using fax copies or securely uploaded online. Agents can also connect 24/7 using the secure producer website.",{"name":119,"@type":110,"acceptedAnswer":120},"What additional requirements are included for traditional underwriting?",{"text":121,"@type":113},"Traditional underwriting requirements include definitions for tobacco use and marijuana users, guidance for foreign nationals and foreign residence/travel, and underwriting criteria by age groups. The guide also addresses paramedical visits, APS guidelines, and financial underwriting using third-party documentation.","https://schema.org",{"og:url":83,"og:type":124,"og:title":65,"og:site_name":95,"og:description":67},"article",{"robots":126,"canonical":83},"index,follow",{"doc_id":128,"site_id":62},295800,1790072100,{"code":4,"msg":5,"data":131},{"doc_id":128,"user_id":132,"nickname":92,"user_avatar":133,"doc_module":4,"category_id":34,"category_name":35,"doc_title":65,"doc_description":67,"doc_content":134,"file_id":135,"file_url":136,"file_type":137,"file_size":138,"view_count":44,"is_deleted":4,"is_public":8,"is_downloadable":8,"audit_status":8,"page_count":139,"language":140,"language_code":63,"site_id":62,"html_lang":63,"table_of_contents":141,"faqs":142,"seo_title":143,"seo_description":67,"update_tm":144,"read_time":145},18829141979164,"https://eur-avatar.wpscdn.com/davatar_6f874abed73319feea01a86fa6f0fab8","Life  \nNew Business  \nLife underwriting requirements guidelines Includes financial guidelines and preferred criteria  \nThis guide is for traditionally underwritten applications—for our accelerated underwriting requirements, please refer to the WriteAway® Field Guide.  \nMidland National® Life Insurance Company  \nFOR AGENT USE ONLY. NOT TO BE USED FOR CONSUMER SOLICITATION PURPOSES.  \n631MM Page 1 of 21 4-26  \nTABLE OF CONTENTS  \nUnderwriting and New Business overview........................................................................................................... 3  \nMail and website............................................................................................................................................. 3  \nGeneral guidelines........................................................................................................................................... 4  \nSubstandard ratings......................................................................................................................................... 4  \nTemporary life insurance agreement................................................................................................................... 4  \nRequirements shelf life .................................................................................................................................... 5  \nExactApp® information..................................................................................................................................... 5  \nWriteAway® information................................................................................................................................... 5  \nAcceptable electronic signatures ....................................................................................................................... 5  \nApproved paramedical facilities ........................................................................................................................ 6  \nPreparing the applicant for a paramedical visit .................................................................................................... 6  \nAPS guidelines ................................................................................................................................................ 6  \nTraditional underwriting requirements ............................................................................................................... 7  \nTobacco use definitions.................................................................................................................................... 8  \nMarijuana users............................................................................................................................................... 8  \nForeign nationals ............................................................................................................................................. 8  \nForeign residence and travel.............................................................................................................................. 8  \nUnderwriting criteria (ages 70 and under) -all products ........................................................................................ 9  \nBuild chart height and weight requirements (ages 16-70) -all products..................................................................10  \nUnderwriting criteria (ages 71+) -all products ..................................................................................................... 11  \nPreferred cancer case criteria for all ages ........................................................................................................... 12  \nAge 71+ definitions.......................................................................................................................................... 13  \nBuild chart height and weight requirements (ages 71+) -all products .......................................","cbCaivDLhl0WskMT","https://ap.wps.com/l/cbCaivDLhl0WskMT","pdf",896206,21,"English","# Underwriting and New Business overview\n## Mail and website\n## General guidelines\n## Substandard ratings\n## Temporary life insurance agreement\n## Requirements shelf life\n## ExactApp information\n## WriteAway information\n## Acceptable electronic signatures\n## Approved paramedical facilities\n## Preparing the applicant for a paramedical visit\n## APS guidelines\n## Traditional underwriting requirements\n## Tobacco use definitions\n## Marijuana users\n## Foreign nationals\n## Foreign residence and travel\n## Underwriting criteria (ages 70 and under) - all products\n## Financial underwriting guidelines\n## Third-party financial documentation\n## Other financial considerations\n## Definitions of requirements\n## Commonly used application supplements","[{\"question\":\"What approach does Midland National use for life insurance underwriting decisions?\",\"answer\":\"Midland National uses a common-sense approach to help ensure fairness to the proposed insured, deliverability by the producer, and profitability for the company. Favorable and unfavorable risk factors are balanced case by case to achieve the best risk class possible.\"},{\"question\":\"How are underwriting documents processed for new business applications?\",\"answer\":\"Paperwork (other than 1035 Exchange forms and premium remittance) is processed using fax copies or securely uploaded online. Agents can also connect 24/7 using the secure producer website.\"},{\"question\":\"What additional requirements are included for traditional underwriting?\",\"answer\":\"Traditional underwriting requirements include definitions for tobacco use and marijuana users, guidance for foreign nationals and foreign residence/travel, and underwriting criteria by age groups. The guide also addresses paramedical visits, APS guidelines, and financial underwriting using third-party documentation.\"}]","631MM Underwriting Guidelines - Agent Use Only | PDF",1789723862,53]