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Simplified Underwriting

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Over the years, insurance carriers have sought to underwrite and issue more policies in less time and at lower costs. Many insurance advisors might also say that today’s full underwriting process is not only long, but can be daunting for the advisor as well as the applicant. As a result, many insurance carriers have been developing products with simplified underwriting. This article discusses the main approaches to simplified underwriting, their advantages, and associated risks, and how insurers can mitigate these risks.

Reprinted with permission of ON THE RISK, Journal of the Academy of Life Underwriting (

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The Author

  • Sophie Clement
    Director and Product Manager
    Living Benefits

    RGA Canada
Download "Simplified Underwriting"
  • electronic medical
  • risk management
  • risk selection
  • simplified issue
  • structured data
  • Underwriting