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What does the phrase subject to underwriting mean on an insurance quotation?

When we provide an insurance quote, it's a projection, dependent upon the final underwriting process completing successfully.

  • When we start the process we try to provide a quote projection based upon the information you have supplied to date on a worst case scenario.
  • After we get the opportunity to review your medical situation in detail, we then work back to a best case scenario that is usually cheaper too.

A pre-assessment involves two steps

  • Quoting is the first step 
  • Underwriting is the final step in the assessment and includes a careful review of any medical reports.

After the formal underwriting process is completed, you might receive a revised quote depending upon your medical history.

It might take longer than expected, but the process delivers a fully underwritten policy that provides peace of mind that all assessments decisions have been completed and you know exactly where you stand.

About Us provides support to those people who insurance companies leave behind. We believe in giving every person the power to use life insurance products to protect & provide for their loved ones, their businesses and their legacy — free from barriers of stigma and discrimination.

We know that, as an LGBTQIA+ person (or someone who goes without labels entirely), you have specific financial advice, life insurance and privacy needs.

We're committed to serving the LGBTQIA+ community and its Allies. For us, it's about #AdviceEquality.

Make us part of your story so should the unexpected happen to you or whoever is family to you, you'll have a backup plan in place to help you financially recover and life can still get better for somebody you love.


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