Brighthouse Simple Underwriting

Traditional underwriting can stand in the way of stronger client relationships. The Brighthouse Simple Underwriting process is changing that.



Brighthouse Simple Underwriting at Work

Without the complexity of traditional underwriting, financial professionals can feel empowered to incorporate life insurance into their client conversations. This video provides an overview of what you can expect when applying for a new life insurance policy with your client.

The Value of Life Insurance to Your Clients and Your Business


Key Features of Simple Underwriting
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Simple, less invasive process – no labs or exams for most clients.1

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Electronic application for the Policy Owner and to the Proposed Insured – we ask the questions.

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Simple underwriting offer – yes or no answer.

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Faster initial underwriting decision – depending on the product, generally within 24-72 hours of receiving completed requirements.2

The Steps to Brighthouse Simple Underwriting

 

Step 1

Complete the Pre-Qualification Checklist with the Proposed Insured and the Owner. Then, complete the Prep Tool form.

 

Step 2

Prepare the Owner and/or Proposed Insured for the application and interview.

 

Step 3

That’s it – we’ll take it from here.

 

Step 4

Our underwriters will complete the application and interview the Owner and/or Proposed Insured.

 

Step 5

We’ll contact you with an initial answer – generally within 24 to 72 hours.

 

Step 6

Now, take your client to coffee.

 

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Resource Materials

1 Labs and exams are only required if the client has no evidence of medical care.

2 Brighthouse Simple Underwriting is the current underwriting acceleration process. Proposed insureds without meaningful database results, or those who may be poor historians of their medical condition(s), will require an Attending Physician Statement, a paramedical exam and labs, or both in some instances. Medical requirements may be ordered on a for-cause basis at any age regardless of the face amount. State variations may apply.