Next stop, underwriting efficiency – which means more policies in your book of business, faster.

We’re passionate about processing your business quickly and do this via our underwriting process, which is built for instant, accelerated, lab-free experiences based on eligibility and availability. When you’re on the road with us, there’s no need for unnecessary pit stops along the journey.

Simplified underwriting, next left

You can find the interactive Underwriting Superhighway roadmap here. It offers stops for a full underwriting experience and express lanes for those instant decisions.

While we work toward even higher instant decisions in the fast lane, we’re quickly opening up new lanes, offering more coverage to those in less than perfect health, without slowing the flow of traffic.

We’re here for you (and your clients) throughout the underwriting journey!

Outcomes of the digital application process

34%

Instant Decision*

73%

Lab-Free Decisions**

6%

Lab-Only Decisions**

Find more of our underwriting innovations and guidelines.  ⮞