Hartford Financial Services Group Inc. is trying to respond to complaints that applying for life insurance is just too difficult.

Hartford, Simsbury, Conn., says it will use prescription database checks rather than attending physician statements to underwrite applicants age 40 or younger who are applying for less than $2 million in death benefits and most applicants ages 41 to 60 who are applying for less than $1 million in death benefits.

For applicants ages 61 to 75 who apply for up to $2.5 million in death benefits and applicants ages 76 to 85 who apply for up to $1 million in death benefits, Hartford may be able to use results of an ordinary physical exam in place of an underwriting exam.

Hartford says it also will be offering standard rates for more buyers of variable universal life, universal life and whole life policies.