Welcome to ATAP Legacy Consulting.
Immediate Index Universal Life
This is a new plan that only A-Rated companies are offering to seniors in order to reduce cost and be able to get higher benefits, if you qualify.
Who will qualify?
No major recent hospitalizations
No terminal illnesses
Stable control of conditions like blood pressure or cholesterol
Some accept well-managed diabetes (varies by company)
No medical exam is required
Application questions
Prescription history check
MIB check (Medical Information Bureau)
Motor vehicle report (sometimes)
Who won't Qualify?
Uncontrolled diabetes (especially insulin-dependent)
Heart attack or stroke in the last 12–24 months
Cancer (recent or active)
Cognitive disorders (Alzheimer’s, dementia)
Severe liver/kidney disease
Drug abuse or heavy alcohol issues
Major criminal history (rare but possible factor)
What Can You Do If You Don’t Qualify for an IUL Express?
Even if you don’t qualify for an IUL Express, you still have good coverage options. It just means we need a plan that matches your health profile.
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