Transforming and innovating the underwriting process

Balance speed with price in our seamless underwriting journey

Processing your business quickly is something we're passionate about. We do this by giving clients one simple journey, with built-in instant, accelerated, lab-free experiences based on eligibility and availability.


Underwriting journey

Join us as we take you through the underwriting journey. Along the way, you'll stop and learn about what we offer, from instant decisions to a full underwriting experience. See where you'll end up at the end of your trip.

View the Underwriting Superhighway

Underwriting guidelines

Our underwriting field guide gives you a preview of ideal client profiles, rate class requirements, underwriting criteria, along with other helpful resources.

Download guidelines


Underwriting resources


Lab Lift Digital Applications Summary


Underwriting Case Studies


Substandard Build Chart


Digital Application Exam Free Eligibility Reference Guide

Hear from our experts

How has underwriting evolved over time and what’s in store for its future? Get expert takes from our own team.


Dr. Edgar Fernandez 
Chief Medical Officer


Zach Pugh
Chief Underwriter


Patti DeWitt
VP, Underwriting & Claims Operations


Janet Joslin
Underwriting Director


Michael Tunney
Underwriting Director


Shorter cycle times thanks to EHRs

EHRs reduce the need for exams and/or labs. With 80 percent of EHRs turned around in 24 hours or less and costing significantly less than an APS, APS may become a thing of the past. Read more about this and how underwriters assess risk faster and more thoroughly. 

Read more

Underwriting strengths

We know no one’s perfect. That’s why our underwriters consider the whole person to get your clients the best rate possible. Check out our other underwriting strengths and start the journey today.