John Hancock

They will save age if the application is dated within 30 days of the birthday. The application must be in to HOME OFFICE within 30 days of the signature date.

MetLife

They will save age if the application is dated within 30 days of the birthday. The application must be in to HOME OFFICE within 30 days of the signature date.

Allianz

You can request an effective date back 60 days. There is a place on the application "Date to save age" where you put the day before the birthday. The application needs to be in to the HOME OFFICE within 30 days of the signature date but a total of 60 day of the birthday.

Genworth Financial

They will save age if application is dated 30 calendar days within birthday (birthday counts as day 1). The application has to be in to the HOME OFFICE within 30 days of the signature date.

MedAmerica

The application must be dated before the birthday in order to save age. All applications must be into the HOME OFFICE within 14 days from the signature date.

Prudential

They will save age if the application is dated within 30 days of birthday. The application must be into the HOME OFFICE within 30 days of signature date.

Physicians Mutual

You can request an effective date back 30 days on the application in order to save age. The application has to be in to HOME OFFICE within 30 days from signature date.

Penn Treaty

The application can be dated within 30 days of the birthday and they will save age. The application must be into the HOME OFFICE within 45 days of the signature date.

United of Omaha

Premium will be based on the applicant’s age on the date of application. If the applicant’s date of birth is within 30 calendar days of the application signing date, rates will be based on the younger age.

Premera Blue Cross

...info coming soon!