NU Online News Service, July 22, 3:59 p.m. – Hartford Life Insurance Company, Simsbury, Conn., a unit of Hartford Financial Services Group Inc., has introduced two new sales processes designed for bank representatives and stockbrokers, an “Intent to Buy” process and a “Simplified Issue” process.

Hartford Life will help advisors who use the Intent to Buy process by putting “tele-interviewers” in charge of collecting underwriting information. The system eliminates the need for advisors to ask awkward questions about clients’ health, Hartford says.

The second process, the Simplified Issue process, will eliminate the need for medical underwriting exams for many consumers between the ages of 30 and 50 who apply for Hartford’s Stag Accumulator Variable Universal Life insurance policies.

About 85% of applicants for the VUL policy should qualify for the Simplified Issue program, Hartford says.