Get More Auto Decisions for Life Applications

There are a few common reasons why applications submitted in eApp don’t qualify for automatic decisions.

Avoid slowdowns by following some best practices.

Medication/dosage information is provided in a text field in the medical conditions section

• Wait for the Medications section, where you can select the right medications from the drop-down list and Confirm. (Don’t just write in the medication name.)
• Don’t include dosage information anywhere unless prompted by the app.

Writing in medical conditions instead of selecting the ones that apply

• Check all relevant conditions in the list.
• For other conditions, select from the drop-down list and Confirm. (Don’t just write in the name of the condition.)

Reason for last consultation is missing

• Be sure to check one or more conditions in the list. (Do not choose “Other” if one of the listed options applies.)
• For a regular annual exam, select “Routine Exam/Checkup – Normal Outcome.”

Issues with juvenile face amounts

Applications are only eligible for straight-through processing if:

• Juvenile face amounts are not higher than $1,000,000.
• Siblings are equally insured.
• Coverage for a juvenile is not higher than the parent’s coverage. (At least one parent should have equal or higher coverage in place or pending.)

Other pitfalls

• Avoid choosing Other when entering Premium Information.
• Do not order labs and/or APS unless requested by the underwriter or required based on age and face amount.

For more efficiency tips, check out our New Business and Underwriting Best Practices.