Underwriting

What is Life Insurance Underwriting?

Underwriting is the process insurance companies use to evaluate your risk as an applicant. They look at factors like:


Age and Gender


Medical History and Current Health


Lifestyle Habits


Occupation and Travel History

 

Coverage amount and policy type


The goal is to match you with the right policy at the best possible rate — based on your individual profile.

How the Underwriting Process Works

Depending on the policy you choose, underwriting may include:

  • A short online application
  • A phone interview
  • A review of your health history (via MIB or prescription records)
  • A medical exam (for traditional policies)
  • A decision — usually in 1 to 3 weeks for traditional policies


Some types of coverage — like our No Exam Life Insurance — skip most of this process and offer approval in 24–48 hours.

How to Get the Best Underwriting Outcome

Here are a few tips to help improve your chances of approval and secure the best rate:


Be honest. Inaccurate info can delay or cancel your application.


Stay healthy. Even small changes (hydration, good sleep, avoiding nicotine) can help before a medical exam.



Ask questions. We’re here to walk you through every step.

FAQ

  • What does “underwriting” mean in life insurance?

    It’s the process used by insurers to evaluate your risk and determine your coverage and rate.

  • How long does underwriting take?

    It varies. No-exam policies may take a day or two. Fully underwritten policies usually take 1–3 weeks.

  • Can I be denied coverage?

    Yes, depending on the insurer and your health history. But we work with a wide network of providers to help find coverage options for most applicants — even those considered high-risk.

  • What’s the difference between simplified and full underwriting?

    Simplified underwriting skips the medical exam and uses basic health questions. Full underwriting includes lab work and a more detailed review.

We Advocate For You

America Quote has been helping individuals and families navigate underwriting since 1996. With over 50 years in the industry, David Frucella and our team understand how to match you with the right insurer and guide you through the details.


We don’t push. We don’t pressure. We assist you in getting the life insurance coverage that fits and is best for your situation.