Underwriting Decision Engine

Internal tool for carrier selection based on age, health, lifestyle, and product needs.

Client basics

Age

State

Coverage goal

Primary need

Face amount min ($)

Face amount max ($)

Activities of Daily Living

Does the client need help with bathing, dressing, eating, toileting, transferring, or continence?

Disability / SSI

Is the client on SSI or unable to work due to medical reasons? Is this military disability and client works 30+ hrs/week?

Alcohol / Drug Treatment

Years since last alcohol or drug treatment?

Criminal History

Years since last felony conviction, parole, or probation?

Driving / DUI

Years since last DUI, DWI, reckless driving, or license suspension?

Tobacco / Nicotine

Any tobacco or nicotine use in the last 12 months?

Marijuana Use

Frequency of marijuana use? Is marijuana legal in the client’s state or medically prescribed?

Major Medical Conditions

Medications

List all current medications (comma separated):

Occupation

Military Status

Is the client active duty, reserves, or National Guard? Any current or planned deployment?

Payment Method

Citizenship

Years in the United States (if applicable)

Results

Fill out the client basics and coverage goal, then run the engine to see carrier recommendations.