As an advisor, you play a key role in helping your clients protect their families’ futures. Every conversation, recommendation, and piece of information you gather helps clients move forward with clarity and confidence.
To support you in this role, we are sharing our updated Financial Underwriting Guidelines.
These guidelines give you greater visibility into how financial information is assessed.
With a clearer understanding of what underwriting looks for, you can better prepare your files, guide your clients, and reduce uncertainty throughout the process.
Why this matters to you
With a better understanding of what underwriting looks for, you can:
- Collect more complete and accurate financial information
- Set clear expectations from the start
- Cleary explain what details and documents may be required
Result: smoother conversations and better-prepared clients.
When you submit a case to underwritting, your cover letter plays an essential role to quickly understand:
- The client’s financial situation
- The insurance needs being addressed
- How premiums will be funded
- Any client-specific goals or considerations
- Any context that may help reduce underwriting delays
The benefits of a well-prepared file
- Reduce back-and-forth
- Accelerate underwriting decisions
- Deliver a stronger overall client experience
These guidelines are designed to support your expertise, strengthen collaboration with underwriting, and help you deliver a better experience for your clients.
