Broker Check

Expanding our underwriting criteria to better serve your clients

May 20, 2026

Guardian has officially expanded its Fluidless Underwriting Program increasing available coverage amounts from $3 million to $5 million for clients ages 18-50.1

This enhancement gives you an even greater opportunity to deliver faster, more convenient underwriting experience while helping clients secure larger amounts of coverage without traditional medical exams. 

Advantages include:

  • Improved experience for higher-income clients 
  • Faster underwriting turnaround for qualified cases
  • Less client inconvenience
  • Strong competitive advantage in the non-exam marketplace
  • Available for Whole Life, Term and Universal Life products

Check out all of our underwriting advantages and let’s connect to uncover opportunities!

For Producer and internal use only. Not for use with or distribution to the general public.

1 Ages 41-50 >$2 million to $5 million, a CMP/Lipid panel and  >$3 million to $ 5 million, an APS will be required.
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8928578.1 (Exp. 05/28) *pre-approved content*