Quantum IUL Product FAQs

Is Quantum Instant Decision?

• Yes, Quantum is a fully digitally-underwritten instant decision product. Some cases may be referred to an underwriter if something answered within the app is flagged by in the UW check (such as Lexis-Nexis, Milliman, MVR, or MIB). Turnaround time for RUW is typically within 48hrs.

Can I index with Morgan Stanley or Blackrock?

• No, these indices are not currently available for the Quantum product. This is due to Quantum being designed prior to FG adding these options to their product collection.

What is the difference between Pathsetter and Quantum?

• Quantum is a class leading streamlined Non-Med product designed for both a simple protection solution & tax-advantaged retirement solution.
• Quantum is an accumulation play for someone who's relatively healthy and needs permanent coverage and can answer “no” on knock-out questions
• Pathsetter is a Fully Underwritten retirement accumulation product- someone whose relatively healthy but maybe has some things to explain in UW

What’s the lowest rating a client can get?

• Substandard/ Table 3-4

What is the max death benefit?

• $500k for clients 0-17 and $1MM for clients age 18-60

Are term riders available?

• No. Quantum does not currently offer term riders to maintain speed and simplicity for instant decision.

Is this product available in CA?

• Yes, Quantum is available in 49 states, excluding New York & the territory of Puerto Rico

Does Quantum accept replacements?

• No. Quantum does not accept policy replacements.

What is the max age for Quantum?

• The maximum issue age is 60.

What is the minimum age for Quantum?

• The minimum age is 15 days

Who is this product for?

• Quantum is a class leading streamlined Non-Med product designed for both a simple protection solution & tax-advantaged retirement solution for someone who's relatively healthy and needs permanent coverage and can answer “no” on knock-out questions.

If declined by Quantum, can I move to Pathsetter?

• If declined for Quantum, agents should refer to the UW declination decision notice on the case in Sales Link to see if the underwriter advises applying through Pathsetter.

What is the Build chart for Quantum?

• Find more underwriting or client requirement details, select the 'Carriers' tab in HQ, then select 'F&G'. This is where are Quantum Details are for agents, including build and special charts.
  • Infants (15 days to 24 months) have a special chart based on BMI percentiles, call or email UW if you feel client is on the fence.
  • Juveniles:
    • 2-15 girl- acceptable BMI’s generally from 13.5-31 depending on exact age
    • 2-15 boy- acceptable BMI’s generally from 14.5-29 depending on exact age
  • Adults:
    • Under age 35- acceptable BMI’s are generally from 17-40
    • Ages 35-50- acceptable BMI’s are generally from 17-42
    • Age 51-60- acceptable BMI’s are generally from 17-44