Underwriting is the process of a life insurance carrier deciding if they wish to offer a life insurance policy to a candidate and at what price.

Depending on the type of life insurance, the death benefit amount, your general underlying characteristics, your age, and the insurance company – the underwriting process can be anywhere from extremely limited to very rigorous.

Some forms of lower dollar life insurance policies have little if any of this process involved.  Others have a complex process often which will involve an in home paramedical exam.


The general process will typically also include various reports known as a CLUE report and an MVR.   Insurance companies may also request doctors notes and other medical documents.

Underwriting is one of the most important, yet overlooked part of the life process.

A best practice with it is to speak with a licensed insurance agent and ask what the process is before you start.   This can save you a lot of money in the long run.  A life insurance quote is not the same as a guaranteed life insurance price.  A quote is really just a more theoretical number and until you speak with a licensed broker that quote you received may not be of much value.

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