Our WriteFit Underwriting program uses tools and techniques that predict relative mortality based on a number of behaviors. With WriteFit, there is no need for medical exams or blood tests — offering faster underwriting decisions and an overall improved client experience when compared to traditional underwriting.
WriteFit Underwriting™
Fast underwriting for your clients
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Get a quoteSee what clients fit into WriteFit
Dorian
- 28 years old
- Healthy
- Just starting his career
Sarah
- 38 years old
- Recently started exercising
George
- 45 years old
- Active
- Works a physical job
Naomi
- 50 years old
- Lives in the city
- Nearing retirement age
Dorian
I’m 28, healthy and applying for a $500,000 term policy
I'm just starting out in my career as a customer service representative 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 I 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.
Decision
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. Rate class availability may vary by state.
Sarah
I’m 38, fairly healthy and applying for a $1,000,000 permanent policy
I'm a sales representative and recently started exercising so I can look my best at my upcoming wedding 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.
Decision
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.
George
I’m 45, chew tobacco and I’m applying for a $3,000,000 term policy
I'm a general contractor, in great shape and enjoy being active. I’d like to quit, but have been chewing tobacco daily since I was 18, but at least I never smoked. I own my own home with my wife and kids and have a great driving record.
Decision
George would likely qualify for Non-Tobacco Plus rates based on Securian Financial’s non-combustible tobacco guidelines. George would go through traditional underwriting as the lab work would give the underwriter the information to help him get non-tobacco rates.
Hypothetical example for illustration purposes only. Actual experience may differ depending on individual circumstance.
Naomi
I’m 50 with high cholesterol and I’m applying for a $2,000,000 permanent policy
I’m 5’0” 190lbs., and have only seen my doctors for regular checkups and to manage my cholesterol, which runs in the 280s on medication. I don’t take any other medications and haven’t changed my cholesterol medication or dose in several years. My doctor tells me my “good” cholesterol is very good. My mother is still alive at 78, while my father passed away from a heart attack when he was 52.
I love my job and make a good income. I rent a nice apartment downtown with my partner that has beautiful views of the skyscrapers and city! I’m looking at retiring in a few years and want to heavily fund an Indexed Universal Life Insurance policy to help supplement our retirement income.
Decision
Naomi would likely be accelerated at standard rates due to her medical and family histories. She won’t be sharing those beautiful city line views with an examiner.
Hypothetical example for illustration purposes only. Actual experience may differ depending on individual circumstance.
3 easy steps
A simple, fully digital purchase process
This quick two-minute video outlines our paperless and contact-free process.
View videoHave questions or need assistance?
Your life sales team is here to walk you through the process
- 1-888-413-7860 (BGA)
- 1-877-696-6654 (BD)
FAQs
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?
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WriteFit Underwriting consumer marketing toolkit
Turn-key digital marketing campaigns to show prospects the benefits of WriteFit Underwriting.
Get the kit1. May not be available for some clients; feature may not be available for all products and may vary by state.
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
Please keep in mind that the primary reason to purchase a life insurance product is the death benefit.
Life insurance products contain charges, such as Cost of Insurance Charge, Cash Extra Charge, and Additional Agreements Charge (which we refer to as mortality charges), and Premium Charge, Monthly Policy Charge, Policy Issue Charge, Transaction Charge, Index Segment Charge, and Surrender Charge (which we refer to as expense charges). These charges may increase over time, and these policies may contain restrictions, such as surrender periods. Policyholders could lose money in these products.
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 subsidiaries, 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 form where it is accessible to the general public.
DOFU 5-2024
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