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Our underwriting approach

A smooth experience for you and your clients

Our easy application process gives your clients protection fast — and you can feel confident that you will get a competitive decision the first time.

Our underwriters continually research and develop ways to improve the underwriting process for your clients. Their experience is the most important consideration as we develop new underwriting processes and service standards.

With Securian Financial, you have direct access to underwriters to talk through the process and ask questions, helping eliminate confusion and speed up the process.

Personalized underwriting for your clients

Securian Financial currently offers two underwriting approaches:

WriteFit Underwriting™

Our WriteFit Underwriting program utilizes tools and techniques that predict relative mortality based on a number of behaviors. No need for a medical exam or blood test, so your eligible clients experience a less invasive underwriting process than traditional underwriting.

When applying with WriteFit, your healthiest clients could be approved for coverage in as little as 24 hours after completing the tele-interview.

View details about WriteFit

Traditional underwriting

Our underwriters provide competitive decisions with a customer-focused, accurate and timely application process.

Learn more about underwriting

Additional programs available

Mortality credits program

We have developed a program for improving our underwriting standards through ongoing research and development. Our mortality credits program provides opportunities for better-than-published guideline decisions for clients in the following areas:

  • Tobacco/Non-combustible tobacco
  • Build
  • Driving history
  • Family history
  • Cholesterol
View the program

International guidelines

International underwriting is a complex process. To serve clients with this need take into account their:

  • Foreign travel
  • Place of residence
  • Citizenship
Learn how it works

Quote in minutes

eValuate offers you real-time quotes, so you don't have to wait and see what underwriting class your clients qualify for.

Get a quote

Have questions or need assistance?

Please keep in mind that the primary reason to purchase a life insurance product is the death benefit.

Life insurance products contain charges, such as Cost of Insurance Charge, Cash Extra Charge, and Additional Agreements Charge (which we refer to as mortality charges), and Premium Charge, Monthly Policy Charge, Policy Issue Charge, Transaction Charge, Index Segment Charge, and Surrender Charge (which we refer to as expense charges). These charges may increase over time, and these policies may contain restrictions, such as surrender periods. Policyholders could lose money in these products.

These materials are for informational and educational purposes only and are not designed, or intended, to be applicable to any person's individual circumstances. It should not be considered investment advice, nor does it constitute a recommendation that anyone engage in (or refrain from) a particular course of action. Securian Financial Group, and its subsidiaries, have a financial interest in the sale of its products.

For financial professional use only. Not for use with the public. This material may not be reproduced in any form where it is accessible to the general public.

DOFU 1-2026

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