Midland National Life Insurance has expanded its WriteAway Accelerated Underwriting process to include permanent life insurance. 

The process, which was previously only available on term products, involves customers filling out an online application and participating in a short phone interview if they meet certain requirements. A decision is made within 48 to 72 hours. 

“This process benefits both our independently contracted agents and their customers,” Jerry Blair, vice president and chief distribution officer of Midland National, said in a press release. “They can now offer qualifying clients a smoother application process, and a less invasive way for getting life insurance protection—resulting in faster turnaround times and commission for the agent.”

To qualify, customers must be adults who are 50 or younger, meet certain height and weight requirements, have no major medical conditions, and be classified as low risk.

“We’re thrilled to meet the needs of today’s life insurance customer,” Blair said. “Customers today seek affordable protection, plus a quick, easy process without extensive lab tests and exams.”