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Pre-Underwriting Questionnaire

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Pre-Underwriting Questionnaire

Please complete all of the fields below. All of this information is required to submit your application to the carrier.

Name

DOB

Country/State of Birth

SSN

Client address

E-mail address

Driver’s license number and state

Phone number

Do you have existing insurance coverage? If so, please provide details and advise if this coverage is intended to replace your existing coverage.

Type of coverage you are applying for (business, or personal).

Will you be the owner of this policy? If not, please provide details (i.e. employer will own, trust will own)

How much coverage are you applying for? (max of $1 MM)

Term length you are interested in applying for? (i.e. 10, 20, or 30 year)

Please answer the questions below:

Are you between the ages of 18 and 60? Y N

Does your build meet the recommended weight limits of chart A or B? Y N

Refer to build chart on next page.

If you’ve ever applied for insurance with Principal, Lincoln, Minnesota Life, SBLI or John Hancock; what was the coverage approved as? (circle one)

Smoker or Non-Smoker Smoker Non-Smoker

Are you a U.S. citizen or permanent resident with no travel to hazardous locations? Y N

Applicant must reside in the U.S.

Is your stated blood pressure less than 135/85? Y N

Do you currently or have you previously used tobacco in any form (cigars, cigarettes, E-cigarettes)? Y N

If yes, provide details and last use

Is your total cholesterol less than 240, and your cholesterol/HDL ratio less than 4.5? Y N

If you are 50 or older, do you have a primary care physician and evidence of routine physicals within the past 24 months? Y N

Do you have any family history of parent or sibling death from cardiovascular disease, cancer (breast, colon, ovarian or prostate), stroke or diabetes prior to age 60? Y N

Have you had exam requirements or labs completed in the prior 12 months for life or disability coverage?

If so, we may request the results of those requirements and use them in our underwriting. Y N

Non-Medical Impairments - Please check any that apply.

I have filed for bankruptcy in the last five years Y N

I have received a DUI or reckless driving citation within the past 5 years. Y N

If yes, please provide details.

I have received a felony conviction within the last five years, or I am currently on probation or parole. Y N

I have had a life, health or disability policy declined or rated in the past. Y N

I am a pilot or student pilot. Y N

I participate in hazardous sports (scuba diving, mountain climbing, rock climbing, racing). Y N

If yes, provide details.

I have had prior informal requests for life insurance coverage within the last 24 months. Y N

If yes, please provide details.

Medical Conditions

Please check all that apply:

Please circle/click the corresponding height and weight from either of the charts below.

Height and weight guidelines

Our height and weight guidelines apply to both men and women. We use these guidelines with your client’s event and medical history to help determine policy approval.

Height Weight
4'8"82–138
4'9"85–143
4'10"88–148
4'11"91–153
5'0"94–158
5'1"98–164
5'2"101–169
5'3"104–175
5'4"108–180
5'5"111–186
5'6"114–192
5'7"118–198
5'8"122–203
Height Weight
5'9"125–209
5'10"129–216
5'11"133–222
6'0"136–228
6'1"140–235
6'2"144–241
6'3"148–248
6'4"152–254
6'5"155–261
6'6"159–267
6'7"163–274
6'8"168–281
6'9"172–288

Please circle/click the corresponding height and weight from either of the charts below.

Yes

The Telephone Interview

If approved for this program, a telephone interview will be conducted by a courteous insurance professional and whenever possible, on the day and time you requested. Your responses will be used to complete your life insurance application.

The typical interview lasts 20-30 minutes.

Rest assured all personal information you provide will remain strictly confidential.

To help keep your interview as short as possible, having the following information will be helpful:

✓ Your driver’s license and, if applicable, other form of government-issued identification (example: permanent resident cards, visa, etc.)

✓ Names, addresses, and phone numbers of doctors and clinics you visited in the past five years

✓ The names and dosages of any prescription or over-the-counter medications you take

✓ A list of medical conditions or diagnoses, including date of diagnosis, treatment, result of treatment, and treating physician information

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What the Pre-Underwriting Questionnaire Is and Why It Matters

A Pre-Underwriting Questionnaire is a standardized form used by lenders, insurers, and underwriters to collect core applicant and subject-matter data before a formal underwriting review. It aggregates identity details, income and asset summaries, disclosures, property or policy specifics, and authorizations that enable preliminary eligibility checks and risk assessments. Completing the questionnaire accurately speeds verification steps, reduces iterative document requests, and creates a clear audit trail for compliance, privacy and downstream underwriting tasks while establishing the baseline facts the underwriter will rely on.

How a Proper Questionnaire Improves Underwriting Efficiency

A complete Pre-Underwriting Questionnaire reduces follow-up requests, shortens processing cycles, and records key consent and disclosure items needed for regulatory review. It centralizes information and supports consistent risk scoring across files.

How a Proper Questionnaire Improves Underwriting Efficiency

Who Typically Completes and Reviews These Questionnaires

Lenders, brokers, underwriters, claims teams, and authorized third-party processors commonly use this form to collect preliminary eligibility data.

  • Loan officers and processors who intake applicant details prior to credit and asset verification
  • Underwriters who use summarized answers to decide whether full underwriting is warranted
  • Insurance agents and risk analysts who pre-screen exposures and required endorsements

Completing the questionnaire accurately helps each role perform focused checks and reduces the chance of manual rework during underwriting or claims evaluation.

Essential Elements to Include in a Professional Questionnaire

A well-constructed Pre-Underwriting Questionnaire balances completeness and clarity: include identifying data, transaction specifics, authorization sections, conditional branches, and a clear signature block with date. Design fields to reduce ambiguity and link to supporting-document lists.

Identifying Data

Full legal names, date of birth, business entity names and taxpayer identification numbers where applicable; used to match records and run verifications.

Transaction Details

Property or policy identifiers, coverage limits, loan amount requested, term, collateral descriptions and relevant dates tied to the underwriting decision.

Income & Assets

Concise summaries of income sources, account balances, and assets with exact amounts and timeframes to support affordability and liquidity checks.

Declarations & Disclosures

Yes/no and short-answer declarations for material facts, prior claims, liens, bankruptcies, or legal actions relevant to underwriting determinations.

Authorizations

Explicit consent language permitting verification, third-party data pulls (credit, employment), and electronic communications as required by ESIGN and consumer-facing rules.

Signature Block

Clear signer roles, date fields and authentication options; include witness or notary fields when jurisdiction or product requires notarization.

Step-by-Step: Completing the Questionnaire

Follow this sequence to reduce errors and speed processing.

  • 01
    1. Gather documents: Collect IDs, pay stubs, bank statements and property records before you start.
  • 02
    2. Enter core data: Complete all identifying and transaction sections first to enable automated checks.
  • 03
    3. Attach evidence: Upload supporting PDFs or images linked to each field as required.
  • 04
    4. Review and sign: Verify every entry, then sign with the required authentication method.

How to Configure an Online Pre-Underwriting Workflow

Map the questionnaire into a digital workflow that enforces required fields, conditional paths, and routing to reviewers.

Field Configuration
Required Field Rules Mark critical fields required and add validation patterns.
Conditional Visibility Show follow-up questions only when prior answers trigger them.
Routing Logic Auto-route completed forms to underwriting teams or specialists.
Signer Authentication Select email, SMS code, or stronger verification per risk level.

Where to Send Completed Questionnaires

Design routing to ensure the right team receives the questionnaire for verification and underwriting decisioning.

  • Intake System: Upload to the loan origination or policy management system.
  • Underwriting Queue: Place the file in a staged queue for preliminary review and scoring.
  • Third-Party Verifiers: Send authorizations to credit, employment, and asset verification services.
  • Archive: Store the signed copy in a secure records system for compliance retention.

Technical Requirements for Digital Completion and Sharing

Ensure the platform you use supports fillable PDFs, conditional fields, and secure attachments for supporting documents.

  • File types: PDF, DOCX
  • Integrations: CRM and cloud storage
  • Security: TLS and AES encryption

Typical Timelines and Processing Expectations

Processing times vary by organization and risk level; build expectations into the workflow and communicate deadlines to applicants.

Initial submission window:

Provide questionnaires within three business days of application intake.

Verification turnaround:

Standard verifications often complete in 2–5 business days.

Underwriting pre-review:

Underwriters commonly complete pre-reviews in 3–10 business days.

Additional document requests:

Expect 1–7 business days per supplemental request response.

Final decision:

Full underwriting decisions vary; medium complexity files close in two to four weeks.

Key Processing Milestones from Intake to Decision

Track each milestone to measure cycle time and identify bottlenecks in pre-underwriting.

01

Intake and Validation

Collect questionnaire and confirm required attachments are present.

02

Automated Checks

Run credit, identity, and document verification tools.

03

Underwriter Pre-Review

Underwriter assesses risk flags and requests any clarifications.

04

Decision or Escalation

File moves to approval, denial, or full underwriting for deeper review.

Common Mistakes That Slow Down Underwriting

  • Incomplete name or taxpayer ID entries that fail automated verification and require recontact and corrected documentation.
  • Uploading poor-quality scans that prevent reviewers from reading documents and trigger manual follow-up for legible copies.
  • Using ambiguous language in asset or income fields that creates uncertainty and forces underwriters to request bank statements.
  • Neglecting required consent or authorization language that prevents third-party data pulls and delays verification workflows.

Consequences of Incorrect or Incomplete Questionnaires

Delayed Decision: Processing delays and lost timeline targets
Underwriting Errors: Risk of incorrect risk classification
Regulatory Exposure: Noncompliant consent increases legal risk
Financial Impact: Higher costs from rework and extended review
Reputational Harm: Poor applicant experience and trust loss
Denied Coverage: Incomplete data can lead to declination

Security and Compliance Controls to Look For

Encryption: AES-256 at rest
Transport: TLS 1.2/1.3 in transit
Certifications: SOC 2 Type II
Privacy: HIPAA BAA available
Legal: ESIGN and UETA compliance
Access: Role-based controls

Real-World Examples of Pre-Underwriting Use

These brief examples show how different organizations use the questionnaire to reduce cycle time and improve data quality.

Martin Properties

Local real estate firm standardized a pre-underwriting checklist to capture tenant and property details quickly

  • Reduced back-and-forth by automating required fields and attachments
  • The firm reported fewer missing documents and a clearer handoff to underwriting, enabling faster lease approvals and more predictable timelines for closings.

Fertility Centers of Illinois

Medical practice implemented an intake questionnaire to gather patient insurance and authorization details

  • Added HIPAA-compliant consent language and data fields
  • This change consolidated preauthorization steps, decreased administrative calls, and helped staff complete benefits verification prior to clinical appointments.

Comparing eSignature Providers for Questionnaire Workflows

Below is a concise pricing and capability snapshot to help assess vendor fit for high-volume questionnaire processing and compliance needs.

signNow DocuSign Adobe Sign PandaDoc HelloSign
Starting Price $8/user/mo $15/user/mo $14/user/mo $19/user/mo $15/user/mo
Free Trial 7-day free trial Varies Varies Varies Varies
Bulk Send Yes (Premium tier) Yes Yes Yes No
Audit Trail Yes Yes Yes Yes Yes
HIPAA Compliant Yes Yes Yes No No
Envelope Cap No envelope cap 100 envelopes/user/year Varies Varies Varies

Frequently Asked Questions and Troubleshooting

Answers to common questions about completing, submitting, signing, and storing Pre-Underwriting Questionnaires, including digital signing options and compliance concerns.


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