Underwriting Co-Pilot

Screen the client first, then quote with confidence. Enter the facts once — this tool ranks all 12 life carriers, shows the likely rating to expect, and sends you to the right quoter.

Faith Leads. Structure Protects. Legacy Lasts.

Agent reference only. This screen is a field guide based on general underwriting patterns — it is not a quote, not a pre-approval, and not a promise of a rating. Final underwriting, rating, and approval are decided solely by the carrier after application, MIB, Rx, and records review. When in doubt, call the carrier or submit a quick quote / informal inquiry first.

Screen

Tap through — Client, then Health, then Results. For agent use only · Not for clients.

Client information

Tell me the person — one tap each, then Health. No name needed; use facts from your field interview only.

State

Other state

ZIP (for a state / area-specific check)

Date of birth

Age —

Age calculates automatically from the date of birth and is used in the screen.

Sex

Tobacco / nicotine

Coverage goal — this drives the quoter

Face amount

Build

Height — ft

Weight — lbs

BMI will calculate when you screen.

Health history

Tap all that apply — tap again to clear. Leave all clear for a clean, healthy case.

Timing & other flags

Most serious event was

Other flags

Medications & notes (for your field notes)

Try a sample: enter a date of birth for age 58, term, diabetes on oral meds + controlled blood pressure — then switch the goal to Final Expense and screen again to see the ranking flip.

Carrier ranking

Press “Screen All 12 Carriers” on the Health tab to rank every carrier for this client. Every carrier stays on the list — even a likely decline tells you where not to waste an application.

—Best fit

—Likely best class

—Use this quoter

No screen yet.
Complete Client and Health, then press Screen.