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Underwriting

Let our insights and technical knowledge keep you informed and up to date to enhance your competitive advantage. 

Underwriting

You can rely on our competent advice, comprehensive services, and effective tools and resources to guide your risk management decisions. We’re here to support your long-term success.

Industry Insights

Facultative Underwriting

Facultative Underwriting

Expert Underwriting professionals provide unique solutions to complex cases, helping you improve placement rates and profitability.  

For Group Life clients, Gen Re offers a unique, proprietary approach to limited duration underwriting for Group EOI that allows offers on risks often declined by group carriers.

Behavioral Economics

Behavioral Economics Research

At a time of rapidly evolving underwriting approaches, uncertainty about future morbidity and mortality improvement, and increased insurer focus on client engagement, Behavioral Economics training is being made available to Gen Re clients at an important industry inflection point.

The Gen Re BE Academy

The Gen Re BE Academy, developed in relationship with Suffolk University professors, is designed to help our clients’ staff learn how small changes can make a big difference.

Accelerated Underwriting

Accelerated Underwriting

Insurers are pulled in many directions, having to embrace innovative underwriting tools and approaches while evolving away from full underwriting. Many companies don’t have the time or resources to investigate all the latest data and technology options to see which is right for them. With so many new alternatives on the market and the fast-changing pace, it’s hard to know where to start. We can help.

Underwriting Tools

Manuals

Manuals

The Gen Re underwriting manuals provide our clients with reliable, up-to-date information to assess risks effectively. Creating and maintaining the manuals are a team of experts dedicated to constantly improving and further developing underwriting guidelines.

  • Our SOURCE underwriting manuals are dynamic risk assessment tools – available for the full range of risks relevant to Individual Life, Individual Disability, and Critical Illness underwriting
  • Custom-SOURCE is available for companies that want control over the content to reflect their own company-specific underwriting guidelines. Group Life clients enjoy customization on limited duration underwriting.

Financial Guide

The Gen Re Financial Guide is a reference tool designed to assist with the financial underwriting process and includes key tax forms and schedules with important information highlighted and discussed.

Underwriting Program

Our traditional facultative and proprietary underwriting programs are meant to increase producer retention and reduce unplaced business.

2nd Look Program for Individual Life

Book more business with a unique life insurance sales opportunity to place cases you are losing. With 2nd Look, you can make an offer on cases that would otherwise be retired incomplete or postponed.

2nd Look

Events

Here are some of the upcoming industry events our team is attending in the next few weeks – along with some Gen Re-hosted events. For a full listing of industry events we will be attending throughout the year, click here.

Events

Our Publications

Underwriting High Net Worth Foreign Nationals – Considerations for U.S. Life Insurance Companies
While High Net Worth Foreign Nationals may be very little of U.S. insurers’ in‑force Individual Life premium, there may be valuable business opportunities within this niche market. See our checklist for insurers with tips related to policy delivery, agents/producers, and underwriters.
Victor Roque, Nicole Conti
Gen Re Validates Milliman Irix® Risk Score 4.0 – Stronger Risk Insights. Greater Underwriting Opportunity. [Whitepaper Available]
Gen Re has produced an independent assessment of Milliman’s latest generation of risk scoring for mortality underwriting using Prescription, Medical and Claims Data – demonstrating its predictive power and practical underwriting value. Read the findings and a Use Case for moving to this new tool.
Donna Sivigny
A New Approach to Risk Assessment for Pending Surgeries
A structured underwriting approach for pending surgeries combines surgical and health risk scores to deliver evidence-based recommendations. This method enhances consistency, fairness, and efficiency by letting low-risk cases proceed quickly while deferring higher-risk cases with transparent explanations.
Dr. Kohar Annie Kissoyan
Underwriting the Stars of College Sports
Last year’s NCAA shift in college athlete compensation and name, image, and likeness income requires a new approach for Life insurance underwriters. Uncertain future earnings potential and varied career paths of student athletes now shape how insurers determine appropriate coverage levels.
Pam VeDepo
Tropical Diseases Beyond the Tropics? – Dengue, Chikungunya and What Insurers Should Monitor, Not Fear
Dengue and chikungunya, once tropical-only diseases, shows seasonal local transmission in temperate regions due to mosquito spread. Dengue causes mostly acute illness with limited long-term disability, while chikungunya can lead to chronic joint pain. Insurers should monitor but not fear these trends.
Dr. Sebastian Speicher

Contact Us

Contact us to learn more about how we can help you.  

Individual Life

Medicare Supplement / Group Life

Individual Disability / Critical Illness / Accident

Learn more about us.

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