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Our underwriting approach

A smooth experience for your clients – and for you

You want to get your clients the protection they need as fast and as easy as possible and feel confident that you will get a competitive decision the first time.

That’s why 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.

You have direct access to underwriters to talk through the process and ask questions, eliminating confusion and speeding up the process.

Personalized underwriting for your client

Securian currently offers two underwriting approaches: traditional underwriting and WriteFit Underwriting™. 

WriteFit Underwriting

Our WriteFit Underwriting option offers the potential to accelerate and simplify the underwriting process by eliminating lab work for your healthiest clients. In fact, eligible clients could be approved for coverage within 24 hours1 and will enjoy: 

  • A less invasive, streamlined process
  • Faster application approvals
  • A better customer experience

Accelerated underwriting for your clients

For more information about WriteFit Underwriting — including sample client profiles and frequently asked questions — visit our interactive WriteFit Underwriting page.

View WriteFit Underwriting details

Traditional underwriting

Our traditional, medical underwriting program offers innovative solutions of its own. Our dedicated underwriters are always looking for ways to get the best rate class for your clients. 

Mortality credits program

With this program, our underwriters are often able to offer better-than-published rate classes to those who wouldn't normally qualify. We offer stretch guidelines in the following categories:

  • Build
  • Tobacco
  • Driving history
  • Cholesterol
  • Family history impact
  • Noncombustible tobacco

Put us to work for you

Provide your clients a better underwriting experience and close new business faster.

Get started selling

1. After completion of a tele-interview.

Life insurance products contain fees, such as mortality and expense charges (which may increase over time), and may contain restrictions, such as surrender periods.

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

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 affiliates, have a financial interest in the sale of their products.

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

DOFU 11-2020