70 years of expertise meets real-time automation.

Our underwriters are dedicated to doing what's best for our customers and partners. We're using technology to automate and accelerate underwriting processes to create a better experience for advisors and their clients. Our team is always looking for ways to responsibly improve how we evaluate risk and ultimately help more customers get the affordable coverage they need.

If you work for a GA, just pick up the phone and give us a call. If you're an advisor, please contact your general agency for help.

Accelerated Underwriting & New Lab Lift Exam Substitution Program

Learn more about our accelerated underwriting process with the addition of our new exam/lab substitution program, Lab Lift — giving customers a better-than-ever chance of experiencing an exam-free approval process.

See accelerated underwriting


UW Guidelines

Use Underwriting Field Guide and build chart as a guide to help streamline the process for you and your client.

Download Field Guide

Download substandard build chart

Case Studies

Download real scenarios

Credit Program

Competitive Build


We look at the whole individual. And, our key underwriting sweet spots are designed to meet your client's needs.


Visit our Partner Dashboard to drop a ticket