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
My name is Sarah. I'm 38 and recently started exercising so I can look my best at my upcoming wedding.
I’m 38, fairly healthy and applying for a $1,000,000 permanent policy
I’m a sales rep and am getting married again in a few months. I manage my finances wisely, but have been carrying a small balance on one of my credit cards for a few months.
My mother passed away at 61 from breast cancer eight years ago. Her passing did result in me being on anxiety medication for a short period of time and my weight has fluctuated since. In an effort to live a healthier lifestyle, I recently became more active and lost 20 lbs. I’m excited to be back down to 5’7” 180lbs.
Sarah would likely qualify for Preferred rates and be accelerated through WriteFit, giving her more time to enjoy her healthy, active lifestyle.
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.