UNDERWRITING
Trusted Underwriter for Insurance Company
Are you in need of specialized underwriters for insurance companies? EMG Insurance Brokerage is here to help. We offer valuable resources for the pre-application insurance underwriting process to help pinpoint carriers and products in order to offer your clients the best possible life insurance claims. Our expertise will help match your client with the insurance carrier most likely to provide a competitive underwriting class for their particular situation. Use the tools below or contact us before completing an application so we can provide solutions that will result in a more successful outcome for you and your clients.
What Does Underwriting for Insurance Companies Mean?
Underwriting is how insurance professionals and companies evaluate the risk of insuring applicants before approving a policy. It’s the process of reviewing an applicant’s personal and medical history to decide if insurance coverage should be offered — and under what terms. This includes setting the premium, determining benefit levels, and identifying any exclusions. In short, underwriting protects both the insurer and the client by ensuring the offer is a good match for the level of risks associated.
The level of detail required during underwriting can vary, particularly in the life, health, property, and casualty insurance sectors. For some policies, basic health questions may be enough. For others — especially higher-value insurance policies or older applicants — it may involve medical records, lab work, or a full exam. The more accurate the information, the better the outcome for everyone involved. For example, factors like health conditions, lifestyle habits, or even driving records may influence how an underwriter determines the price of a policy.
For insurance agents, this process can slow down sales or lead to surprises late in the application. EMG helps solve that by providing tailored solutions for the insurance industry. As a trusted insurance underwriter, we work with you upfront to analyze the risk, identify the most suitable carriers, and guide each case toward the strongest possible offer — before the application is ever submitted. This saves time, reduces delays, and improves your placement ratio.
Is Insurance Underwriting Always Required?
In most cases, yes. Insurance underwriting is a standard part of providing insurance. It’s not about denying coverage or making the process harder. It’s about helping many insurance companies make responsible decisions based on real insurance risk factors. Without underwriting, insurers wouldn’t be able to establish the pricing or ensure they can meet their obligations when claims are filed.
That said, underwriting doesn’t always look the same. Some policies require full medical exams and detailed records, while others use simplified methods like health questionnaires or prescription history checks. In certain situations — like group plans or guaranteed issue policies — underwriting may be minimal or waived entirely. In some cases, automated underwriting may be used for faster decisions, especially for certain types of policies like personal insurance, auto insurance, or homeowners insurance.
For agents and agencies, understanding when underwriting is required and how to navigate it can mean the difference between a stalled application and a smooth approval. That’s where EMG comes in. We help you evaluate your client’s situation ahead of time, so you know exactly what to expect.
Whether the underwriting is extensive or minimal, EMG Insurance Brokerage can help you make the right decisions for new insurance applications. Our insurance underwriters specialize in matching your clients to the best possible carrier, utilizing resources such as our Field Underwriting Guide and Underwriting Search Engine.
Field Underwriting Guide
Our insurance underwriters use a field underwriting guide to access questionnaires for common medical impairments. In addition, this guide contains sample cover letters, financial underwriting guides, and other useful tools to help you make the best decision when reviewing insurance applications.
Underwriting Search Engine
In our eComplete portal you can find our field underwriting search engine to access company-specific underwriting information. This tool includes underwriting guidelines, carrier-specific build charts, and detailed information on exam/medical requirements.
Pre-Qualifying Underwriting Questionnaires
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