THE FUTURE of Accelerated Underwriting IS HERE.

Vive’s approach to AU turbocharges the process like never before.

We’ve negotiated direct access to the systems of all Vive carriers so that Vive can collect and transmit data based on each carrier’s individual AU requirements. Thanks to this innovation, the AU process can begin right away and underwriting decisions can be made in days instead of weeks.

The AU symbol indicates your client’s AU eligibility for that carrier.

Vive is the only system that determines AU eligibility at this early stage. On the quote screen, Vive displays a list of options available to your client. The AU symbol identifies every policy for which your client meets the carrier’s AU criteria.

The AU approval process begins within 24-48 hours.

AU approval happens with no exam, blood work or medical records. Policies are issued in time frames measured in days instead of weeks or months.

Even if the client doesn’t qualify for AU…

…the approval process can be substantially faster than traditional underwriting because Vive and the carriers have agreed to seamlessly continue the underwriting process.

AU Screen Results

Carrier Requirements for Accelerated Underwriting

View each Vive carrier’s AU requirements, underwriting evaluation process, rate classifications and products available. Display Print Version to view all Vive carrier’s requirements. For additional medical and lifestyle criteria, please see the carrier website or contact your BGA (Brokerage General Agency).

Ages & Face Amounts
Rate Classifications Offered



  • 20-59: $100,000-$1,000,000
  • Standard Non Tobacco or better
  • Select-A-Term


Horizon Only

  • 20-60: $100,000-$2,000,000
  • Standard Plus Non-Tobacco or better
  • All OPTerm
  • Not Available in NY

Cincinnati Life

  • 18-50: $100,000-$1,000,000
  • Standard NT or Better
  • Termsetter
  • Termsetter ROP
  • Exclusion: Not available in CA or NY

John Hancock

Express Track

  • 18-60: $250,000-$3,000,000
  • Standard or Better
  • All Term

Lincoln Financial


  • 18-60: $100,000-$2,500,000
  • Standard Non Tobacco or better
  • LifeElements
  • Term Accel

Pacific Accelerated

Life+ (PAL+)

  • 18-60: $50,000-$3,000,000 A
  • Standard or better risk class
  • All Promise Term



  • 18-40: $200,000-$3,000,000
  • 41-60: $200,000-$2,500,000
  • Standard Non Tobacco or better
  • All Term



  • 18-45: $100,000-$1,000,000
  • 46-60: $100,000-$500,000
  • 18-45: Standard Non Tobacco or better
  • 46-60: Preferred Non Tobacco or better
  • Classic Choice Term
  • Custom Choice UL



  • 18-60: $100,000-$3,000,000
  • Nonsmoker or better
  • Term Essential*
  • *No Pru Term One