Give your clients an underwriting shortcut

More and more clients can get an underwriting decision instantly or without additional lab work required. Learn how we help make the underwriting process quick and easy.

Accelerated underwriting just got better

Our accelerated underwriting limits rose to $4 million, making it easier to quickly meet clients' needs.
Use the materials below to learn about our latest update and share the opportunity with clients.

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Advisor Toolkit

AUW Process Guide

Client Flyer

Advisor Talking Points

The LGA Underwriting Superhighway

Where the rubber meets the road

Our flexible Underwriting Superhighway adapts to meet the needs of your clients, offering solutions that help provide protection and streamline the decision-making process to deliver results as efficiently as possible.

suitcase Expanding coverage

We don’t expect applicants to be perfect. While others might turn your clients away because of certain medical conditions or financial history, we keep them on the road to a decision.

suitcase Accelerating the process

We leverage advances in medicine, technology and data utilization to improve, enhance and accelerate the risk-selection process.

  • Ways we can make applying easy
  • Digital application
  • Advisor-Assisted application
  • Digital AppAssist with a client interview

First stop, Instant Decision

We pride ourselves on delivering instant decisions, helping you save time and provide clients with quick, clear answers to their applications.

suitcase How it works

While completing the application, we run health and other background checks. Through computer-generated data and predictive analytics, decision-making technology evaluates risks and guides the decision.

suitcase Efficient process

Our advanced underwriting process helps provide accurate, real-time decisions. When additional review is required, the process is designed to move swiftly, ensuring minimal delays and maximum transparency for you and your clients.

  • What information do we utilize for an Instant Decision?
  • Age
  • Weight/height
  • Social Security number
  • Lifestyle habits (driving history, international travel, occupation, tobacco use, etc.)
  • Financial information (annual income, credit history, etc.)

Skip the exam

We simplify the underwriting process by skipping the need for an exam through one of two paths.

suitcase Exam-free

Our exam-free option eliminates the need for an exam. Eligibility is based on application information and third-party data, making the process faster and easier for everyone involved.

suitcase Lab Lift

Lab Lift substitutes an exam with readily available health records. By leveraging an APS or EHR with a physical and lab results within the past 18 months, our program ensures accuracy and efficiency, helping clients move through the process quickly without the need for new testing.

  • Accelerated underwriting options
  • No exam or APS
  • APS only
  • EHR only

The last mile

Some clients may require full underwriting, which can involve ordering further requirements. Our team will reach out to keep you informed along the way. This process ensures we can provide the best possible coverage options tailored to meet unique client needs.

suitcase Our mission

At LGA, we want to protect more families and businesses through life insurance. We’ll work with you to do everything possible to offer protection for your clients.

suitcase Why term life insurance?

No other national life insurer offers more term life options than LGA. Our products provide the best financial protection for meeting short-term needs like paying debts, replacing income and covering expenses.

  • Why LGA?
  • #1 US brokerage term life insurance provider based on new coverage*
  • $1B in claims paid every year
  • 4,100+ families and businesses across the country were beneficiaries of Legal & General America policies in 2024**

Details at a glance

Review the ways we can get your clients a quick underwriting decision in the chart below or learn all about LGA underwriting here: https://www.lgamerica.com/advisor/our-approach/horizon-experience.

Instant Decision
Exam-Free
Full Underwriting
% of applications submitted
42%*
73%**
22%**
Eligibility
Ages 20-60 up to $4M
Ages 20-60 up to $4M
Varies
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Frequently asked questions

We get it. Underwriting gets our wheels spinning too. So let’s review a few topics that people usually want to know more about.

Our digital application is the fastest, easiest method to apply for life insurance. It offers the best chance for an accelerated, exam-free experience.

Automated underwriting is essentially technology that is leveraged throughout the application journey to do the mundane tasks that an underwriter would normally do, such as ordering requirements, evaluating data sources, and in some cases running rules to make a decision.

Even if a client does not qualify for automated underwriting, they can still apply through a exam-free journey if they meet eligibility requirements. Medical records may need to be obtained, but it’s still a shortened, easy exam-free process.

This is determined when the automated underwriting platform instantaneously evaluates a case and provides a real-time offer or decision once an application is submitted.

Lab Lift is our exam substitution program. With Lab Lift, clients who are not initially approved for Instant Decision can replace their paramedical exam requirement with EHR or APS for accelerated underwriting.

EHR stands for “electronic health records” and APS stands for “attending physician statement.” We substitute these records for paramedical exams, whenever possible, for accelerated underwriting decisions. We will try to obtain an EHR first, but will obtain an APS when the EHR is not available.

Accelerated underwriting is for men and women between the ages of 20 and 60, offering up to $4M of face amount, any term duration. Things that could disqualify an applicant include weight, chronic or long-term illness, major medical condition, recent bankruptcy, and other factors related to health and finances.

Instant Decision: Immediately upon receiving a submitted application.
Exam-free: As little as 10 days with sufficient EHR.
Full Underwriting: As quickly as two weeks, depending on receipt of necessary records and exams.
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Over 68% of cases will have decisions in 10 days or less.

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The road ahead

Those still on our Underwriting Superhighway might still qualify for our exam-free shortcuts.

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The road continues

Those continuing on the Underwriting Superhighway can still qualify for our Lab-Only Decision or move onto Full Underwriting.

Our underwriting field guide

From our underwriting philosophy, sweet spots, and programs to detailed information on underwriting criteria across every class, learn more about how we underwrite individuals, not impairment.

Download our field guide

Partner Dashboard is your self-service solution

Manage your business, organize your applications, and access all the tools you need from a central location.

Open Partner Dashboard

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