Reach the Finish Line with this Field Guide

Life is easier with a team cheering you on and helping you navigate the corners — that’s what you can expect from our underwriters.

We want your clients to make it to the finish line. That’s why we’ve revised our underwriting rules to maximize inclusivity for you and your clients. 

In our underwriting field guide, you’ll find: 

Top sweet spots
With new risk intelligence from machine learning algorithms, we can offer preferred and preferred plus consideration for clients with certain conditions and activities.

Inclusive stance
Find out how we rate those with hypertension, sleep apnea, asthma and more! Learn the specific conditions that may qualify for Preferred or Preferred Plus ratings.

Classification boosts
All eligible standard or better applicants are evaluated for underwriting credits. If we can move your clients up by one rate class, we will!

New financial guides
We’ve rewritten our financial guidelines to make it easier for your clients. Among other changes, we’re relaxing our stance on student loans. 

Speed comes standard 
All clients enjoy fast-lane processing. If possible, they receive an instant decision. Otherwise, they advance through underwriting, receiving a 10-day decision if possible.  Learn more