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.
Fast underwriting for your clients
See what clients fit into our WriteFit program
Hey, I'm Dorian. I'm 28, healthy and just starting out in my career.
I’m 28, healthy and applying for a $500,000 term policy
I’m a customer service rep at a large company. I own my townhouse and keep the garage full with my boat, ATV and snowmobile. I usually take advantage of the 0% interest financing for many of my electronics and appliance purchases, so have several credit cards. I pay them on time and always pay my balances to avoid those high interest charges.
I’m healthy, but like most of us, could work out a little bit more often. I’m 6’ 180lbs and my parents are still alive in their late-50s.
Dorian would likely be accelerated in WriteFit at Preferred Select. Getting the decision back quickly without having to be examined will give Dorian more time on the water with his boat or the trails on his snowmobile.
Hypothetical example for illustration purposes only. Actual experience may differ depending on individual circumstance.
3 easy steps
Q: What if my client doesn’t qualify for WriteFit?
Q: Which clients should I send through WriteFit?
Q: How do I prepare my client for the WriteFit Underwriting process?
Q: Why should I try the WriteFit Underwriting Program?
Q: Do I need to sell WriteFit Underwriting differently?
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.