A smooth experience for your clients – and for you

You want to get your clients the protection they need as fast and as easy as possible and feel confident that you will get a competitive decision the first time.

That’s why our underwriters continually research and develop ways to improve the underwriting process for your clients. Their experience is the most important consideration as we develop new underwriting processes and service standards.

You have direct access to underwriters to talk through the process and ask questions, eliminating confusion and speeding up the process.

Securian currently offers two underwriting approaches: traditional underwriting and WriteFit Underwriting™. 

WriteFit Underwriting

Our WriteFit Underwriting option offers the potential to accelerate and simplify the underwriting process by eliminating lab work for your healthiest clients. In fact, eligible clients could be approved for coverage within 24 hours¹ and will enjoy: 

• A less invasive, streamlined process
• Faster application approvals
• A better customer experience

Traditional underwriting

Our traditional, medical underwriting program offers innovative solutions of its own. Our dedicated underwriters are always looking for ways to get the best rate class for your clients. 

Mortality credits program

With this program, our underwriters are often able to offer better-than-published rate classes to those who wouldn't normally qualify. We offer stretch guidelines in the following categories:

• Build
• Tobacco
• Driving history
• Cholesterol
• Family history impact
• Noncombustible tobacco