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This document provides an overview of the client acquisition process, underwriting guidelines, and requirements for life insurance at MetLife, detailing both medical and non-medical underwriting processes.
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How to fill out Life Underwriting Guide

01
Gather all necessary personal information including name, address, and contact details.
02
Collect medical history including any pre-existing conditions or past surgeries.
03
Provide details of lifestyle habits such as smoking, drinking, and physical activity.
04
Outline the coverage amount and type of life insurance desired.
05
Include details about any current life insurance policies held.
06
Complete the financial information section, providing income, assets, and liabilities.
07
Sign and date the form to confirm that all information provided is accurate.

Who needs Life Underwriting Guide?

01
Individuals applying for life insurance coverage.
02
Insurance agents and underwriters assessing risk for new policies.
03
Financial advisors assisting clients with financial planning that includes life insurance.
04
Employers offering group life insurance benefits to employees.
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The Life Underwriting Guide is a comprehensive resource that provides guidelines and standards for the underwriting process of life insurance policies, ensuring consistency and compliance with regulations.
Insurance companies and underwriters who are involved in the assessment and approval of life insurance applications are required to file the Life Underwriting Guide.
To fill out the Life Underwriting Guide, individuals must provide detailed information on the applicant's health history, lifestyle, medical records, and any other relevant data that could impact the underwriting decision.
The purpose of the Life Underwriting Guide is to standardize the underwriting process, facilitate accurate risk assessment, and help ensure that life insurance policies are issued in line with company policies and regulatory requirements.
The information that must be reported on the Life Underwriting Guide includes the applicant's personal details, health status, medical history, lifestyle choices (such as smoking or alcohol use), and any other pertinent risk factors.
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