Price matters. We all know that. Of course, the number and nature of hoops you have to jump through to obtain that price is extremely relevant, particularly at older ages. Protective gets it, and they have eliminated the Treadmill EKG from their routine underwriting requirements to make it easier to deliver a great outcome to both producer and client. Read on for the details.


Protective Life Eliminates Treadmill EKG’s from Routine Underwriting Requirements

Protective Life Insurance Company is pleased to announce an enhancement to our underwriting guidelines. The new guidelines will be applied to applications received October 12, 2015 and after.

Replacement of Treadmill EKG Requirement

The treadmill EKG requirement has been removed from the underwriting process. It has been replaced with a resting EKG and NTproBNP testing. NTproBNP (N-Terminal Pro-B Type Natriuretic Peptide) is a blood test used to detect, diagnose and evaluate the severity of heart failure.

Previously, an individual between the age of 51 and 70 seeking a single life policy greater than $10 million or a survivorship policy greater than $20 million was required to undergo the treadmill EKG. Now, for ages of 51 through 70 and amounts greater than $10 million, a resting EKG plus NTproBNP testing is required.

Additional Information from Protective Life

Please reach out to us or our colleagues at Protective Life with any questions:
Amanda Polasko
Regional VP
BGA Life Sales
Life and Annuity Division
513-543-9931
Amanda.Polasko@Protective.com

Kaitlyn Brubaker: Hybrid Internal Wholesaler
513-362-4877
Kaitlyn.Brubaker@Protective.com