Enhancements to Automated Underwriting Rules

We’re constantly looking for new ways to enhance our underwriting rules engine, which powers faster decisions and accelerated, exam and lab-free approvals for digital applications. Recently, we’ve made updates to reflexive questions and some of our processes in order to streamline more cases and reduce the need for underwriting review for certain conditions.

• Reduced need for underwriting review for Basal and Squamous Cell Carcinoma, generating more instant decisions
• Simplified rules to minimize postponements for high Cholesterol cases
• More opportunity for exam and APS-free decisions for Diabetics

These enhancements have resulted in a 2.5% increase in our Instant Decision rate.