I was referred to underwriting - what happens next?

If your application is referred to underwriting, an underwriter will review your application and determine whether any additional information is needed before a decision can be made.

In some cases, the underwriter may be able to make a decision based on the information already provided.

If more information is needed, you may be asked to provide:

If medical records are requested, the review may take longer because we’ll need to receive the records from your healthcare provider before underwriting can continue.

If a health exam is required, you’ll receive instructions for scheduling it. The exam is provided at no cost to you.

Timing varies depending on whether additional information is needed. Some applications can be reviewed within a few days. Applications that require medical records, a health exam, or additional follow-up may take several weeks.

We’ll email you if anything is needed from you and again once a decision has been made.