WriteFit Underwriting™

Fast underwriting for your clients

Our WriteFit Underwriting program uses tools and techniques that predict relative mortality based on a number of behaviors. With WriteFit1, there is no need for medical exams or blood tests — offering faster underwriting decisions and an overall improved client experience.

See what clients fit into WriteFit 

Dorian

Hey, I'm Dorian. I'm 28, healthy and just starting out in my career.

Learn about Dorian

Sarah

My name is Sarah. I'm 38 and recently started exercising so I can look my best at my upcoming wedding.

Get to know Sarah

George

Hi there, I'm George. I'm 45, enjoy being active and my job as a contractor building homes; it keeps me busy.

Meet George

Naomi

Greetings, I'm Naomi. I just turned 50 and enjoy living in the city. I'm looking forward to retirement.

Introducing Naomi

3 easy steps

Number one

Step 1: Submit eApp

Submit an electronic application and let us take it from there.

Number two

Step 2: Application review

We review your application and schedule the tele interview. After completing the tele interview, underwriters determined if the client qualifies for WriteFit.

Number three

Step 3: Underwriting decision

If client qualifies, the client is approved and policy is issued within 24 hours.2

FAQs

Q: What if my client doesn’t qualify for WriteFit?

A: Their application will continue through the traditional underwriting path and an exam, labs, etc. will be completed.


Q: Which clients should I send through WriteFit? 

A: WriteFit is meant for your healthiest clients. To be considered for WriteFit, the following eligibility requirements must be met:

  • Apply for a single life product through eApp/iPipeline™
  • Face amounts up to $2,000,000 for ages 18-50 (excluding WriteFit Express3)
  • Face amounts up to $1,000,000 for ages 51-60 (excluding WriteFit Express3)
  • Use the tele-interview process4
  • Clients 18-605 years of age
  • Build within recommended guidelines
  • No major medical impairments

Q: How do I prepare my client for the WriteFit Underwriting process?

A: Once you submit the application, explain to your client that the next step will be completing the tele-interview.

  • Tell them an underwriter will review the application and answers from the tele-interview to determine if an exam and labs are needed. 
    • If exam/labs aren’t needed, you’ll save some time and be notified of the application approval with an underwriting class of standard or better.
    • If labs are needed, that means we need some additional information in order to make our final decision. Tell your client that if this is the case, their application will follow the traditional path – they’ll complete the exam and then receive an underwriting decision.
  • As always, be conservative when running illustrations. If you’re unsure how to rate your clients, go with a lower underwriting class. Remember, a client that qualifies for WriteFit will always get a risk class of standard or better.

Q: Why should I try the WriteFit Underwriting Program?

A: WriteFit Underwriting aims to make your client’s life insurance buying experience fast, smooth and less invasive than traditional underwriting. Unlike the simplified issue approach, our WriteFit Underwriting program utilizes new tools and techniques that predict relative mortality based on a number of behaviors.


Q: Do I need to sell WriteFit Underwriting differently? 

A: WriteFit Underwriting doesn’t change your role as a financial professional, but it can make the application process for you and the client more efficient. This customer experience program is designed to support your sale by minimizing the need for invasive blood draws, urine collection and exam scheduling.

With this customer experience program, financial professionals may not be able to rely primarily on their ability to predict their client’s underwriting class as they can with traditional underwriting. The information used in the WriteFit Underwriting program to assess an accelerated case consists of hundreds of potential data points and the way they interact with each other, that aren’t available until the moment we underwrite the policy. There aren’t necessarily “knock-out” questions of financial data that can be used to predict an outcome.


Contact info

Securian Financial and broker-dealer
Independent brokerage
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Still want to learn more?

See how WriteFit Underwriting draws links between behavior and mortality risk.

View research
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Ready to start an application?

Give your clients the opportunity to have a quick underwriting experience and apply with WriteFit today!

Start eApp

1. Our WriteFit Underwriting program includes WriteFit and WriteFit Express.

2. Upon completion of tele interview for eligible clients. 

3. If declined, a 90-day waiting period will be enforced before a new application can be submitted.

4. Appropriate consent is obtained prior to data collection and usage.

5. For ages 55-60 Preferred and Preferred Select classes are available.

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

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

Policy loans and withdrawals may create an adverse tax result in the event of lapse or policy surrender, and will reduce both the surrender value and death benefit. Withdrawals may be subject to taxation within the first fifteen years of the contract. Clients should consult their tax advisor when considering taking a policy loan or withdrawal. 

Product features and availability may vary by state.

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 10-2019
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