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The Underwriting Process for Term Life Insurance

The Underwriting Process for Term Life Insurance

When you shop for term life insurance, the underwriting process is important to understand. This is the system your insurer will use to decide if they will offer you a policy and how much it will cost.

In this blog post, we'll go over what goes into risk differentiation underwriting (RDU) so that you know what to expect.

  1. Fill out an application
  2. Get a Medical exam
  3. Determine Insurance Premium

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Fill out an Application

The first step in getting your home insurance is to fill out an application. This is where you will give the insurance company some basic information about yourself, like your age, health history, and smoking status. The insurance company will also look at your financial situation, including your income and debts.

Get a Medical Exam

After you apply for insurance, the company may order a medical exam. This is to get more information about your health and to make sure you can get insurance. The exam will include a blood test and a urine test.

Determine Insurance Premium

Once the insurance company has all of the information they need, they will decide if they want to offer you a policy. If they do offer you a policy, they will also determine how much your premium will be. The premium is how much you have to pay for the life insurance policy.

EGGRS Term Life Insurance

If you are looking for term life insurance, it is important to understand the underwriting process. This is the process where the insurance company decides if they will give you life insurance and how much it will cost. You can get started today to learn more about term life insurance, and how we can help you find the right policy for you.

Risk Differentiation Underwriting | EGGRS Life Insurance


EGGRS Full LogoEGGRS understands the importance of preparing for unexpected changes while keeping your busy schedule in mind, so we have created an efficient process that anyone can follow.

Our ideal, uncomplicated process allows you to do everything online, including requesting life insurance coverage and receiving it within 20-30 business days. Our services include term life insurance, risk differentiating underwriting, request a quote, and free calculators. Contact EGGRS for more information!

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