Over 50% of cases will have decisions in 10 days or less.
Our flexible Underwriting Superhighway widens to offer more people the protection they need — and forks to let them reach a decision as quickly as possible.
We don’t expect applicants to be perfect. While others might turn your clients away because of certain medical conditions or financial history, we keep them on the road to a decision.
We leverage advances in medicine, technology, and data utilization to improve, enhance, and accelerate the risk-selection process.
Our goal is to get 32% of all applicants a decision as soon as they hit “Submit” through automated underwriting.
While completing the application, we run health and other background checks. Through computer-generated data and predictive analytics, decision-making technology evaluates risks. Artificial intelligence (AI) assesses eligibility and guides the decision.
Those who qualify will get an Instant Decision. Those who don’t will know right away that they did not meet the Instant Decision criteria.
Over 69% of the time, we can take a shortcut and avoid new lab work altogether with the help of accelerated underwriting.*
We substitute lab work with electronic or traditional medical records to shave off valuable days from the process.
Aside from the application information already obtained for Instant Decision, we can come to a Lab-Free Decision with electronic health records (EHR), an attending physician statement (APS), or lab results provided within the last 18 months.
Some clients may go the distance, requiring full underwriting from a living, breathing underwriter who collects extensive medical and financial information, including results from required lab work.
At LGA, we want to protect more families and businesses through life insurance. We’ll work with you to do everything possible to offer protection for your clients.
No other national life insurer offers more term life options than LGA. Our products provide the best financial protection for meeting short-term needs like paying debts, replacing income and covering expenses.
Review the ways we can get your clients a quick underwriting decision in the chart below or learn all about LGA underwriting here: https://lga-uw-explained.netlify.app/.
We get it. Underwriting gets our wheels spinning too. So let’s review a few topics that people usually want to know more about.
Over 50% of cases will have decisions in 10 days or less.
Those still on our Underwriting Superhighway might still qualify for the Lab-Free Decision shortcut.
Those continuing on the Underwriting Superhighway can still qualify for our Lab-Only Decision or move onto Full Underwriting.