Simplified Underwriting Disability Insurance

When it comes to disability insurance, most consumers prefer simple solutions to heavy-handed, intrusive underwriting requirements. But acquiring sufficient amounts of disability insurance can be challenging and time consuming to both broker and client, although it doesn’t have to be. Petersen International Underwriters has created the Simplified Underwriting plan to streamline and greatly ease the process of securing excess disability insurance.

Who Qualifies Individuals who need additional disability insurance and have been approved for and purchased a fully-underwritten, non-cancellable disability insurance policy are eligible for the Simplified Underwriting plan within 90 days of the issuance of the non-can policy.

How It Works The Simplified Underwriting plan eases the process of purchasing excess disability coverage by waiving the usual medical underwriting requirements of exams, blood draws and urinalyses.

Saving Time & Money By waiving the need for exams, medical records and laboratory costs, Petersen International is able to reduce the underwriting time by more than half and pass along additional cost savings to applicants in the form of reduced premiums.


  • The non-cancellable policy must have been fully underwritten.
  • If the non-cancellable policy has any waivers of conditions and/or ratings, underwriters must agree to use or not use these waivers and/or ratings prior to policy issuance.

Application Requirements

  • A copy of the declaration page from a non-cancellable disability insurance policy (issued within the last 90 days).
  • Simplified Underwriting one-page application form.