Give your clients an underwriting shortcut

More and more clients can get an underwriting decision instantly or without additional lab work required. Learn how we help make the underwriting process quick and easy.

Accelerated underwriting just got better

Our accelerated underwriting limits rose to $4 million, making it easier to quickly meet clients' needs.
Use the materials below to learn about our latest update and share the opportunity with clients.

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Advisor Toolkit

AUW Process Guide

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Legal & General America | Life Insurance Company
The LGA Underwriting Superhighway

Where the rubber meets the road

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.

suitcase Expanding coverage

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.

suitcase Accelerating the process

We leverage advances in medicine, technology, and data utilization to improve, enhance, and accelerate the risk-selection process.

  • Ways we can make applying easy
  • Digital application
  • Advisor-Assisted application
  • Digital AppAssist with a client interview

First stop, Instant Decision

Our goal is to get 35% of all applicants a decision as soon as they hit “Submit” through automated underwriting.

suitcase How it works

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.

suitcase Transparent process

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.

  • What information do we utilize for an Instant Decision?
  • Age
  • Weight/height
  • Social Security number
  • Lifestyle habits (driving history, international travel, occupation, tobacco use, etc.)
  • Financial information (annual income, credit history, etc.)

Skip the lab work

Over 69% of the time, we can take a shortcut and avoid new lab work altogether with the help of accelerated underwriting.*

suitcase How it works

We substitute lab work with electronic or traditional medical records to shave off valuable days from the process.

suitcase What we may need

Aside from the application information already obtained for Instant Decision, we can come to a decision through Lab Lift with electronic health records (EHR), an attending physician statement (APS), or lab results provided within the last 18 months.

  • Accelerated underwriting options
  • No exam or APS
  • APS only
  • EHR only

The last mile

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.

suitcase Our mission

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.

suitcase Why term life insurance?

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.

  • Why LGA?
  • #1 US brokerage term life insurance provider based on new coverage*
  • $1B in claims paid every year
  • 4,200+ families and businesses across the country were beneficiaries of Legal & General America policies in 2021**

Details at a glance

Review the ways we can get your clients a quick underwriting decision in the chart below or learn all about LGA underwriting here: https://www.lgamerica.com/advisor/our-approach/horizon-experience.

Instant Decision
Lab Lift
Lab-Only Decision
Full Underwriting
% of applications submitted
38%*
78%**
6%**
16%**
Coverage
Up to $2M
Up to $4M
Up to $4M
Varies
Medical information utilized
Rx and medical codes
Rx, medical codes plus EHR, APS or recent lab work
Rx, medical codes plus required lab results
Rx, medical codes, medical exam and lab work required
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Frequently asked questions

We get it. Underwriting gets our wheels spinning too. So let’s review a few topics that people usually want to know more about.

Our digital application is the fastest, easiest method to apply for life insurance. It offers the best chance for an accelerated, exam-free experience.

Automated underwriting is essentially technology that is leveraged throughout the application journey to do the mundane tasks that an underwriter would normally do, such as ordering requirements, evaluating data sources, and in some cases running rules to make a decision.

Even if a client does not qualify for automated underwriting, they can still apply through a exam-free journey if they meet eligibility requirements. Medical records may need to be obtained, but it’s still a shortened, easy exam-free process.

This is determined when the automated underwriting platform instantaneously evaluates a case and provides a real-time offer or decision once an application is submitted.

Lab Lift is our exam substitution program. With Lab Lift, clients who are not initially approved for Instant Decision can replace their paramedical exam requirement with EHR or APS for accelerated underwriting.

EHR stands for “electronic health records” and APS stands for “attending physician statement.” We substitute these records for paramedical exams, whenever possible, for accelerated underwriting decisions. We will try to obtain an EHR first, but will obtain an APS when the EHR is not available.

Accelerated underwriting is for men and women between the ages of 20 and 60, offering up to $2M of face amount, any term duration. Things that could disqualify an applicant include weight, chronic or long-term illness, major medical condition, recent bankruptcy, and other factors related to health and finances.

Instant Decision: Immediately upon receiving a submitted application.
Lab Lift Exam Substitution Program: As little as 10 days with sufficient EHR.
Full Underwriting: As quickly as two weeks, depending on receipt of necessary records and exams.
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Over 67% of cases will have decisions in 10 days or less.

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The road ahead

Those still on our Underwriting Superhighway might still qualify for the Lab Lift shortcut.

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The road continues

Those continuing on the Underwriting Superhighway can still qualify for our Lab-Only Decision or move onto Full Underwriting.

Our underwriting field guide

From our underwriting philosophy, sweet spots, and programs to detailed information on underwriting criteria across every class, learn more about how we underwrite individuals, not impairment.

Download our field guide

Partner Dashboard is your self-service solution

Manage your business, organize your applications, and access all the tools you need from a central location.

Open Partner Dashboard

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