Life field underwriting and quoting
Term, final expense, whole life, and preneed across 50+ carriers at general availability, pre-qualified against encoded carrier rules before you submit anything.
The folder of PDF underwriting guides, encoded
Every producer who writes final expense keeps the same folder: twenty carrier underwriting guides, three of them last year's, and a mental list of which carrier forgives which condition. That folder is the product being replaced.
- Rules, not documents. Knockout questions, lookback periods, build charts, medication implications, rate class outcomes, and face amount limits by age, encoded per carrier and per product.
- Versioned and dated. Carrier guides change mid-year. The rule set a quote ran against is recorded with the quote, so you can tell what was true in March.
- Contracting-aware. You see the carriers and products you are appointed to write, not a catalog that ends in an apology.
- Change notices. When a carrier moves a condition or a lookback, the change is recorded and the cases it affects are visible.
Solved Enroll is in private beta. Life field underwriting is live with beta agencies ahead of the 2027 public rollout, and the encoded carrier list grows with each cohort. Join the waitlist for the next one.
Intake that keeps up with the conversation
A health fact-find fails in two ways: it interrupts the client, or it records the wrong thing. The intake is built to survive a real kitchen table conversation where the client is reading a pill bottle at arm's length.
- 200,000+ medications and conditions. Brand and generic names, dosages, and conditions resolve as you type, including the abbreviations clients and charts use.
- Typos and partials. "metfromin" finds metformin. "Lasix" and "furosemide" land on the same record. "The blood thinner" narrows to a short list you can confirm out loud.
- Only the follow-ups that matter. Questions are driven by the carriers still in play, so a clean profile takes a fraction of the questions and a complicated one asks more.
- Resume where you stopped. A half-finished profile picks up on any device, which is what actually happens when a case takes two visits.
Only what the health profile actually qualifies for
This is the whole argument. A product the client cannot get is not a quote, it is a future decline, a chargeback, and a phone call you do not want to make.
Disqualified products never appear
The health profile is run against every encoded rule set before anything is priced. A carrier that knocks out on a two-year cardiac lookback is simply not in the list you present.
The class you will actually get
Immediate, graded, and modified benefit outcomes are separated, and the rate class is shown with the reason for it, so nobody is surprised by the policy that arrives in the mail.
Build-to-budget
Start from the monthly premium the client says they can live with and work backward to the face amount, product type, and carrier that fit it. A budget is a constraint, not an objection.
What changes on Monday
- You stop submitting applications a carrier was always going to decline, which is where placement rates come from.
- You stop writing business into a class the client did not expect, which is where chargebacks come from.
- A new agent quotes like someone who has read all twenty guides, because the platform has.
Life product availability
Where each life line stands in the private beta. Everything listed is in scope for the 2027 general availability release.
| Product | Stage | What the workflow covers |
|---|---|---|
| Final expense, simplified issue | Live in beta | Knockout questions and lookback periods encoded per carrier, with immediate, graded, and modified benefit outcomes separated. |
| Final expense, guaranteed issue | Live in beta | The fallback path when the profile knocks out everywhere else, quoted with its waiting period stated plainly. |
| Term life | Live in beta | Level term with build chart, tobacco use, and rate class applied before the premium is shown, plus build-to-budget on face amount. |
| Whole life | In build | Permanent coverage quoting alongside the simplified issue lines, including limited-pay options where carriers offer them. |
| Preneed and funeral expense | In build | Quoting shaped around a funeral home arrangement rather than a face amount, including assignment of benefits. |
| Fully underwritten path | Planned | Paramed exam, APS ordering, and status tracking through the underwriter, sequenced after the simplified issue flows settle with beta agencies. |
Stage reflects the private beta build order across cohorts, not a delivery date. Carrier coverage reaches 50+ at general availability.
Simplified issue, fully underwritten, or preneed
The path decides the timeline, the questions, and the premium. It should be a decision you make on purpose, at the start.
Simplified issue
Health questions only, no exam, and a decision measured in minutes or days. The encoded rules matter most here, because the application questions are the underwriting.
- Knockouts and lookbacks applied live as the profile is built.
- Face amount ceilings by age enforced before you promise a number.
- Graded and modified outcomes shown as what they are, not buried in a rider.
Fully underwritten
Worth the wait when the face amount justifies it and the client is healthier than a simplified issue product will price them. The trade is a paramed exam, records, and weeks instead of minutes.
- Quoted next to the simplified issue option so the trade-off is explicit.
- Preferred and standard class expectations set from the profile you already captured.
- Exam and records tracking is on the roadmap with the fully underwritten path.
Preneed and funeral expense
Preneed is a different conversation with a different buyer. The quote is anchored to an arrangement at a funeral home rather than to a round face amount, the beneficiary and assignment are handled up front, and the growth or inflation feature the carrier attaches is shown for what it does. Families comparing a preneed policy against a final expense policy get both in the same view, with the difference in what each one actually guarantees stated in plain language.
Replacement and suitability, recorded as you go
Most of what gets an agent in trouble on a life case is not the product, it is the file. The workflow captures the reasoning while the reasoning is fresh.
- Existing coverage first. What the client already owns is part of intake, so a replacement is identified before it is accidental.
- Replacement forms where they apply. State and carrier replacement paperwork is triggered by the case facts rather than remembered.
- Why this product. The need, the budget, and the alternatives considered are stored with the application, which is what a suitability review is asking for.
- One case file. Quote, rule set version, presentation, signature, and submission export as a single document when a carrier asks.
The same record, the next line of business
The client you just pre-qualified for final expense is 67, takes four medications, and has a cardiologist she will not leave. You have already captured all of that.
- Medicare quoting uses the same medications for drug cost modeling and the same doctors for network checks.
- Ancillary products attach from the record you already filled in, with one signature flow.
- The AI Plan Recommender ranks across every line you are contracted for, with its reasoning attached.
Where life fits in the platform
AI Plan Recommender
Ranked products with the underwriting factors behind each score.
ExploreApplication and e-signature
Pre-filled carrier forms signed by text, tablet, or email.
ExploreAgency and IMO
Placement and persistency by agent, carrier, and product.
ExploreHow it works
Intake, quote, recommend, and enroll, in one session.
ExploreSee the full platform, pricing, the API reference, the documentation, or join the waitlist.
FAQs
Questions about life underwriting
What does "encoded underwriting rules" actually mean?
Each carrier's field underwriting guide is translated into rules the platform can run: knockout conditions, lookback periods, build charts, medication implications, rate class outcomes, and face amount limits by age. Instead of reading a PDF and guessing, you answer the health questions once and the platform tells you which carriers and products are still in play, and at what class.
How does the medication intake handle what clients actually say?
Clients read labels out loud, mispronounce brand names, and say "the water pill." The intake resolves partial spellings, brand and generic names, abbreviations, and typos against a library of 200,000+ medications and conditions, and asks the follow-up question the remaining carriers need rather than every question on every form.
Does this really reduce declines and chargebacks?
That is the design goal. Products the health profile disqualifies never reach the quote, so you are not submitting an application a carrier was always going to decline, and you are not placing business that lapses because the premium landed in a class the client did not expect. Placement is a function of what you submit, and this changes what you submit.
Can I work backward from a monthly budget?
Yes. Build-to-budget starts from what the client says they can spend each month and works back to the face amount, product type, and carrier that fit it. A client who says "I can do forty dollars a month" gets a real answer instead of a quote they will cancel in month three.
Which life products and carriers are supported?
Term, final expense, whole life, and preneed across 50+ life carriers at general availability. During the private beta the live carrier list is smaller and expands with each cohort, prioritized by what beta agencies write most.
Does the life fact-find carry over to Medicare?
Yes, and this is the point of the platform. The medications, conditions, doctors, and household details captured for a final expense case are the same client record that quotes Medicare and attaches dental, vision, and hospital indemnity. Nothing is entered twice.
Something else? Contact us
Bring the case you are least sure about.
A profile with a recent cardiac event, three medications, and a forty dollar budget is exactly the case worth running through the platform live.