Underwriting

Underwriting

We know underwriting is pivotal to your success with your clients. That’s why we have highly experienced underwriters, a competitive underwriting philosophy and a number of unique strategies and programs designed to help you get clients the best risk class possible.

Get to know the benefits of full underwriting

Your clients have different needs and budgets, so your recommendations should be different, too. When you recommend full underwriting, you and your clients enjoy the benefits of:

Learn how our underwriting process works

Each step of the application and underwriting process is designed to save you time and help your client get the best possible scenario.

Preliminary quote

Help set your client's expectations by providing a realistic quote before you submit their application. Our quoting guide can help you:

Ask the right questions.
Give the underwriter the details they need to deliver an accurate estimate in 24 hours.

Download quoting guide

Drop ticket submission

Submit a drop ticket through one of the following methods:

Edward Jones Permanent Life Platform, accessible via JonesLink (universal life and variable universal life)
Ebix LifeSpeed, accessible via JonesLink (term life)
Paper applications, submitting to Edward Jones back office (term applications if a permanent policy is being replaced)

Underwriting: Accelerated or traditional

After your client completes Part I and II of the application, the application data determines underwriting requirements and the best class for your applicant:

Accelerated underwriting: No APS or fluids are required.
Traditional underwriting: Protective schedules exams, orders medical records and, if needed, requests additional information.