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Underwriting

Let our insights and technical knowledge keep you informed and up to date to enhance your competitive advantage. 

Underwriting

You can rely on our competent advice, comprehensive services, and effective tools and resources to guide your risk management decisions. We’re here to support your long-term success.

Industry Insights

Facultative Underwriting

Facultative Underwriting

Expert Underwriting professionals provide unique solutions to complex cases, helping you improve placement rates and profitability.  

For Group Life clients, Gen Re offers a unique, proprietary approach to limited duration underwriting for Group EOI that allows offers on risks often declined by group carriers.

Behavioral Economics

Behavioral Economics Research

At a time of rapidly evolving underwriting approaches, uncertainty about future morbidity and mortality improvement, and increased insurer focus on client engagement, Behavioral Economics training is being made available to Gen Re clients at an important industry inflection point.

The Gen Re BE Academy

The Gen Re BE Academy, developed in relationship with Suffolk University professors, is designed to help our clients’ staff learn how small changes can make a big difference.

Accelerated Underwriting

Accelerated Underwriting

Insurers are pulled in many directions, having to embrace innovative underwriting tools and approaches while evolving away from full underwriting. Many companies don’t have the time or resources to investigate all the latest data and technology options to see which is right for them. With so many new alternatives on the market and the fast-changing pace, it’s hard to know where to start. We can help.

Underwriting Tools

Manuals

Manuals

The Gen Re underwriting manuals provide our clients with reliable, up-to-date information to assess risks effectively. Creating and maintaining the manuals are a team of experts dedicated to constantly improving and further developing underwriting guidelines.

  • Our SOURCE underwriting manuals are dynamic risk assessment tools – available for the full range of risks relevant to Individual Life, Individual Disability, and Critical Illness underwriting
  • Custom-SOURCE is available for companies that want control over the content to reflect their own company-specific underwriting guidelines. Group Life clients enjoy customization on limited duration underwriting.

Financial Guide

The Gen Re Financial Guide is a reference tool designed to assist with the financial underwriting process and includes key tax forms and schedules with important information highlighted and discussed.

Underwriting Program

Our traditional facultative and proprietary underwriting programs are meant to increase producer retention and reduce unplaced business.

2nd Look Program for Individual Life

Book more business with a unique life insurance sales opportunity to place cases you are losing. With 2nd Look, you can make an offer on cases that would otherwise be retired incomplete or postponed.

2nd Look

Events

Our presentations at industry events support our goal of sharing knowledge with our clients. Here is a full listing of the upcoming industry events we will attend.

Events

Our Publications

Underwriting High Net Worth Foreign Nationals – Considerations for U.S. Life Insurance Companies
While High Net Worth Foreign Nationals may be very little of U.S. insurers’ in‑force Individual Life premium, there may be valuable business opportunities within this niche market. See our checklist for insurers with tips related to policy delivery, agents/producers, and underwriters.
Victor Roque, Nicole Conti
An Overview of Mitral Regurgitation Heart Valve Disorder – and Underwriting Considerations
Mitral regurgitation is the second most common form of valvular heart disease after aortic stenosis, with a similar prevalence in men and women. Here’s a detailed overview of the complex but common valve disorder, with some key points to consider in your underwriting practices.
Gary Kranich
Underwriting Disability Insurance – The Art and Science of Critical Thinking
Compelling evidence highlights the growing need for people to have income protection – and the importance of Disability insurance. Here we explore some aspects of its underwriting, including some of the complexities and nuances of assessing morbidity risk.
Dr. Loraine Oman-Ganes, Brenda Blaisdell
New Life & Health Technologies – A Double-edged Sword?
L&H leaders today are navigating through unprecedented change. New innovations in the market offer significant potential upside but also create negative impacts that must be managed.
Frank Chechel, Mike Fullerton
Morbidity Trends – The Long-Term Impact of the Pandemic [Video]
Long COVID’s persistent symptoms, varying from fatigue to organ damage, challenge diagnosis and treatment, affecting many post-recovery. Its impact on work capacity raises concerns for the labor market and disability insurance, with evidence of reduced work schedules and increased unemployment.
Sabrina Link

Contact Us

Contact us to learn more about how we can help you.  

Individual Life

Medicare Supplement / Group Life

Individual Disability / Critical Illness / Accident

Learn more about us.

Supporting the Industry