NEOS Express is an easy way to get your healthy clients cover, at a better price, fast. If your client has been fully underwritten in the last three years, NEOS Express may allow them to obtain better priced cover with NEOS Protection without having to complete a personal statement.
Instead, they’ll only need to complete a short, online, application – essentially a declaration of continued good health.
To be eligible, your client needs to be:
- age <55
- BMI <= 28.5
- non-smoker > 3 years
And they must have an inforce and fully paid, life insurance policy that:
- provides the same cover as the NEOS Protection cover type being applied for
- was fully underwritten in the past three years
- has no loadings or exclusions; and
- is more expensive than the NEOS Protection cover type being recommended.
For full details, please see our Adviser Guide