Final Expense Underwriting Navigator
Quick-reference tier check for phone conversations with FE prospects
How this tool works
Answer the questions below the way you’d ask them on a live call. As you check conditions, this tool applies general, industry-common FE underwriting logic to estimate whether the prospect is likely a fit for Level/Immediate, Graded, or Guaranteed Issue (GI) coverage. The results panel shows exactly which answers drove the result, so you can learn the underlying logic, not just get a black-box answer.
Why this result: the answers that drove it
Important: read before quoting the client
This result is a general educational estimate based on common, industry-standard FE underwriting patterns. It is not a quote, an application, or an underwriting decision, and it does not reflect any specific carrier’s actual guidelines. Underwriting grids, knockout questions, build charts, and look-back periods vary by carrier and can change without notice. Never commit a client to a tier, price, or product based on this tool alone. Always submit a real-time quote and/or the actual carrier application (tele-app, e-app, or paper) to get a binding underwriting outcome.
