Globe Life / American Income (AIL) - Trial Sheet 12-2025 - Flash AG-2512 - Field Manual AG-2735
Trial-sheet verdict, any hard-decline knockout (AG-2512), and field-manual detail (waiting periods / ratings).
Standard Submit normally.
Auto-Trial Upload eApp as a trial. Do NOT collect money.
Decline Not writable / uninsurable.
Conditional Depends on timeframe/dose/age.
Worth Writing Highlighted on the trial sheet.
Field-underwriting aid only. Encodes the Automatic Trial List (12-2025), Flash AG-2512, and Field Manual AG-2735 for Super-Combo. Home Office makes the final call. When in doubt, upload as a trial - an auto-trial not uploaded as a trial causes ALL your apps to be trialed. Product-path and talk-track suggestions are guides, not guarantees.