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Dear MITUL:

With the continued surge in COVID-19 cases across the country, we are now seeing new records in positive cases, hospitalizations and number of deaths per day. For this reason, we need to put a hold on our plans to relax our temporary COVID-19 guidelines, and for some cases we are reinstating stricter guidelines.

We understand this is disappointing news, and we have made every effort to make these latest adjustments as minimally disruptive as possible. For this reason, we will employ a two-step approach that provides a 4-week window allowing us to monitor developments and adjust if trends improve.

Here are the adjustments to our current temporary guidelines that will go into effect in two steps beginning December 14:

Step 1, effective December 14
  • All pending cases for ages 70-75 will be postponed
  • All pending cases with a ratable BMI will be postponed
Step 2, effective January 11, 2021
  • All rated pending cases for ages 60-65 will be postponed
  • We will eliminate the use of credits on all pending cases
For your reference, here is a full overview of our updated guidelines effective December 14:

COVID-19 underwriting guidelines
Effective December 14, 2020


* Foreign travel not considered for the states of Florida and Georgia.

As noted, we will closely monitor COVID-19 data and the progress of vaccination efforts over the next few weeks. If the situation and forecast improve, there may be an opportunity to place the Step 2 implementation on hold. We will update you before January 11 of our plans and next steps.

Please know that all the AIG teams involved in your cases are focused on working with you to help move your business along as quickly as possible, whenever possible. If you have any questions or concerns, please reach out to your contacts in underwriting, sales or case management, and let us know how we can help.

Sincerely,
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