The Horizon Experience

Move your business forward

Put clients first by letting our flexible digital process speed up everything from applications through decisions and delivery.

The Horizon Experience
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Underwriting made easy

Deliver decisions in a snap

A growing number of clients can get approved in minutes, with no medical exam or lab work required.

Our underwriting process
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Underwriting quick stats

We help get your clients approved as quickly as possible

42%
Instant Decisions1
48%
Instant decisions (under 50 years old)1
73%
Lab-free decisions 2
68%
10-day decisions 3

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  • Disclaimer

    1 Instant decision" is defined as the number of Horizon instant decisions and expressed as a percent of total decisions made. Reported for full month April 2025. Excludes reopen, incomplete and withdrawn applications.

    2"Exam-free decisions" is defined as a percentage of total decisions from all business submitted through Horizon (term-only applications). Exam-free decision rate is calculated based on decisions in a 30-day period, if an exam was ordered and includes instant decisions. Reported for full month April 2025, Horizon applications only.

    3 "10-day decision rate” is defined as the percent of applications that reached any decision in 10 days or less upon submittal compared to the total number of decisions. 10-day decision rate is calculated based on decisions in a 30-day period. Excludes reopen, incomplete and withdrawn applications.