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Underwriting Certification

This course is designed to train and develop individuals in the underwriting process of life insurance sales. It delves into the crucial aspects of underwriting, the BGA's responsibility, Risk Factors and the nuances between different types of underwriting for life insurance policies. Developed through a life insurance lens, the program consists of 19 online learning modules accompanied by mastery quizzes.
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This course is designed to help train and develop new underwriters on the life insurance underwriting process, while certifying existing underwriters on the key skills, responsibilities, and best practices that are essential for their role. The program, which has been designed with a life insurance focus, is comprised of 19 online learning modules with mastery quizzes for each module.

Certification Pricing

$1,495 – Member
$2,495 – Non-Member
$1,995 – Partner

Non-Finseca Members

underwriting catalog

  • The first course in the series will be added to your Dashboard.

underwriting dashboard

Finseca Members

underwriting catalog

  • The first course in the series will be added to your Dashboard.

underwriting dashboard

Explore Individual Modules

the role of the broker general agency case manager & under writer
The Role of the Broker General Agency Case Manager & Under Writer

This session explores the vital role of the Broker General Agency (BGA) Underwriters in the life insurance & underwriting process. It delves into tasks like data gathering, application scrutiny, and financial justification review, emphasizing effective communication between stakeholders. 

interactions between underwriters and the field
Interactions between Underwriters and the Field

This session explores the interaction between underwriters and the field in the insurance underwriting process. It emphasizes the importance of effective communication, negotiation skills, and thorough field underwriting for successful outcomes.

types of underwriting
Types of Underwriting

This module delves into the intricacies of different underwriting types and their respective nuances. It covers medical underwriting, financial underwriting, avocation underwriting, and more, offering insights into how each process evaluates risk and determines eligibility for insurance coverage. 

risk factors
Risk Factors

This session explores various risk factors encountered during the underwriting process. It covers medical history, tobacco use, drug/alcohol history, hobbies/avocations, occupation, driving history, and family history. Participants gain insights into how these factors influence risk assessment, mortality, and overall eligibility for insurance coverage.

insurable interests
Insurable Interests

This session dives into the concept of insurable interests within the underwriting process. It explores the significance of insurable interests in life insurance policies, highlighting the economic gain associated with the continued life of the insured.

how carriers underwrite
How Carriers Underwrite

This session delves into the intricate process of how insurance carriers underwrite policies. It explores the assessment of risks and their correlation to the pricing of insurance products. Participants learn about the role of actuaries in using mortality data to calculate premiums for each risk class, ensuring that premiums cover anticipated mortality costs associated with each class. 

mortality vs. morbidity
Mortality vs. Morbidity

This session clarifies the distinct underwriting approaches for mortality and morbidity, emphasizing the importance of thorough assessment and accurate information for effective risk evaluation in insurance underwriting.

technology & online resources
The Art vs. Science of Underwriting

This session explores the transition from traditional underwriting as an art to its current status as a blend of art and science. It emphasizes the importance of regular medical visits for objective health evaluation and early detection of issues, especially as individuals age.

quick quote & trial applications​
Quick Quote & Trial Applications

This session delineates between Quick Quote and Trial Applications, elucidating when and how each is utilized in underwriting processes. It also explores the use of medical record summaries to facilitate underwriting evaluations.

cover letters
Cover Letters

This session highlights the significance of cover letters in the underwriting process, emphasizing their role in providing additional context and speeding up application reviews. Cover letters are particularly useful when the purpose or amount of coverage is not straightforward, or when unique circumstances, such as special financial situations or foreign national cases, are involved.


This session covers compliance with the Health Insurance Portability and Accountability Act (HIPAA) during the underwriting process. Key points include the requirement for a signed and dated HIPAA form for sharing protected health information, ensuring accuracy in form completion, and using the correct version of the form based on state and product line requirements.

requirements used in underwriting
Requirements Used in Underwriting

This session outlines the most common requirements used in the underwriting process and their significance. Each requirement serves a specific purpose, such as gathering personal, financial, and medical information to assess risk and determine policy eligibility.

retention limits
Retention Limits

This session explores factors related to retention limits in insurance underwriting. Carriers may retain varying percentages of risk per policy and block of business, with some risks being ceded to reinsurers. Retention limits vary by age, underwriting rating, and product type, helping carriers manage risk exposure effectively.


This session delves into the various types of reinsurance and their significance in managing insurance risk. Reinsurance involves transferring insurance risk from a primary insurer to another insurer, known as a reinsurer, to reduce risk exposure.

digital underwriting tool
Digital Underwriting Tool

This session outlines various digital underwriting tools crucial in evaluating risks during the underwriting process. These tools play a pivotal role in assessing medical impairments, financial risks, and behavioral risks, enabling underwriters to make informed decisions.

financial underwriting
Financial Underwriting

This session provides a comprehensive overview of financial underwriting, emphasizing its significance in determining insurance coverage based on financial justification.

foreign nationals
Foreign Nationals

This session provides a detailed exploration of best practices for underwriting foreign nationals in the context of life insurance. It highlights the unique considerations involved, such as determining residence, travel patterns, and citizenship status. 

executive underwriting
Executive Underwriting

This session provides insights into the specialized area of Executive Underwriting, it delves into deferred compensation and salary continuation plans, which serve as variants of key-person coverage or prerequisites for top executives.

What's Next?

The NAILBA Community is partnering with the Finseca Learning Team to provide you with new professional development designed exclusively for case managers. Topics will include Licensing, Underwriting, and Case Design. Stay tuned for more NAILBA certification!

Who is getting certified?



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