November 11, 2025

How XRAE Helps Agents Quote Smarter, Place More Business, and Serve Clients Better

Let’s be honest, field underwriting isn’t always easy. Every client is different, every case has its quirks, and estimating a rate class on the spot can feel like trying to hit a moving target.

With XRAE, you can get instant, on-the-spot rate class quotes that help you quote more accurately, set realistic expectations, and keep your clients moving forward.
Because when you’re efficient and accurate, you’re not just saving time, you’re building trust and getting more business placed.

No waiting. No wondering. Just answers, right when you need them.

What Is XRAE?

XRAE is your digital underwriting assistant, built to make your job easier and your client conversations more efficient. Think of it as your underwriting head start, giving you realistic insights before you ever hit “submit” on an application.

Just enter a few simple details like your client’s age, build, and health history and XRAE instantly estimates the rate class National Life Group is likely to assign. You’ll find it right inside the Agent Portal, under the Tools section, ready whenever you are.

XRAE gives you one of three results:

Health Class Rating (e.g., Elite, Preferred, Standard)
Additional Review Required: XRAE recommends sending to underwriting
Decline: The applicant may be uninsurable

Each result even links to National Life Group’s Field Underwriting Guide for quick reference.

Need a Closer Look? Use Messaging

Sometimes, XRAE will flag a case for additional review and that’s where the messaging feature shines. With one click, you can send your case directly to a National Life Group Underwriter for a manual look. Add comments, send it off, and the underwriter will email you a tentative quote within 24 hours.

Everything stays organized in your case history, so you always know where things stand.

Why XRAE Matters for Field Underwriting

Field underwriting is where everything starts. It’s the moment you turn conversations into confidence and quotes into business. When you can confidently tell a client what to expect, you’re not just quoting; you’re building trust and closing business faster.

That’s what XRAE is all about. It helps you:
Work efficiently: no back-and-forth waiting for estimates.
Quote accurately: fewer surprises for your clients.
Place more business: by setting realistic expectations early.
Save time and build credibility: because precision builds confidence.

Ready to Try It?

Getting started couldn’t be easier. Just log in to the Agent Portal, Tools Section, click Underwriting Quotes (XRAE), and start creating confident, informed client conversations today:

Need a quick walkthrough?

A short video tutorial on the Agent Portal homepage under recommended resources that shows exactly how to navigate and use XRAE, perfect if you’re just getting started or want a quick refresher: