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Underwriting

We know underwriting is pivotal to your success with your clients. That’s why we have highly experienced underwriters, a competitive underwriting philosophy and unique strategies and programs designed to help you get clients the best risk class possible.

Get to know the benefits of full underwriting

Your clients have different needs and budgets, so your recommendations should be different, too. When you recommend full underwriting, you and your clients enjoy the benefits of:
Higher levels of protection
Fully underwritten life insurance offers higher coverage limits and more flexible options compared to simplified issue solutions.
Stronger relationships
When you recommend coverage that fully meets their protection needs, you’re more likely to earn clients’ trust and keep them in your book of business longer.
The right price for the client
Our underwriting process ensures the solution is priced right based on the client’s risk class.
A straightforward process
We offer resources to help you understand our underwriting process and what an underwriter looks for, so you and your clients can feel confident at every step.

Learn how our underwriting process works

Each step of the application and underwriting process is designed to save you time and help your client get the best possible scenario.
Preliminary quote
Help set your client's expectations by providing a realistic quote before you submit their application. Our quoting guide can help you:

  • Ask the right questions.
  • Give the underwriter the details they need to deliver an accurate estimate in 24 hours.
Download quoting guide
Drop ticket submission
Submit a drop ticket through one of the following methods:

  • Protective Velocity's drop ticket using your agency's dedicated link
  • EZ Worksheet
  • Any industry drop ticket platform
Underwriting: Accelerated or traditional
After your client completes Part I and II of the application, the application data determines underwriting requirements and the best class for your applicant:

  • Accelerated underwriting: No APS or fluids are required.
  • Traditional underwriting: Protective schedules exams, orders medical records and, if needed, requests additional information.

Helpful underwriting resources

Use these resources to help make the underwriting process easier for you and your clients.
Cover of Underwriting Highlights Flyer
Understand key areas to deliver the best underwriting offer
Download highlights
Cover of Underwriting Did You Know Flyer
Learn about our approach and how we classify certain situations
Download approach
Cover of Pro Credit Underwriting Program Guide
See how to improve an underwriting decision by one class
Download ProCredit brochure
We're here for you
We’re ready to help you deliver the protection and security your clients deserve. Reach out to us anytime for questions and support, and we’ll get in touch with you as soon as possible.
Contact us
WEB.3207213.12.24

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