Non-Medical (Accelerated) Underwriting Programs
Accelerated Underwriting Programs streamlines the life insurance application process for both you and your clients. Some automated processes can speed qualified applicants through to approval with no medical exams, labs or APSs.*
What is Lexis Nexis?
To aid in the non-medical underwriting process, some carriers will use Socioeconomic Health Scores by Lexis Nexis. These scores can predict health risk more precisely—without medical claims data.The predictive power of social determinants (PDF)
*This is not a guaranteed process. Applicants that don’t qualify will be moved to traditional underwriting that may require new applications, medical exams, labs and/or APSs. Requirements and rules are subject to change without notice.