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Buying insurance doesn’t have to be complicated.
At SelectQuote we make it easy, comparing some of the nation’s most trusted life insurance carriers in just minutes.
What is life insurance underwriting?
The underwriting process is how premiums for all insurance types are determined. The job of an underwriter is to look at an application and calculate risk—as in what’s the risk that the applicant will pass away and how soon. There are a number of standardized formulas available to calculate risk based on age, gender, body mass, and even how dangerous your hobbies are. Learn more about buying life insurance.
Companies get to choose which formulas they use to determine prices, so shopping and comparing coverage can get time-consuming and confusing. At SelectQuote, we can do the legwork for you, searching some of the most highly rated companies and comparing rates in just minutes. We provide unbiased quotes to help you decide because we work for you, not the insurance companies.