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Optimize Your Results
We'll bring you fresh perspectives and new insights into your underwriting practice.

Streamline Processes

You strive to hire the best underwriters in the business. Don't let your underwriting processes get in their way. RGAX can help you review your processes to ensure they're also the best in the industry.

Improve Turnaround Times

Underwriting can also be time consuming, and taking too long to complete the underwriting process can cost you opportunities. Conducting an underwriting process review can help identify inefficiencies in your new business process and help improve your turnaround times.

What Is An Underwriting Audit?

Risk management starts from the time an applicant enters the door of your organization or fills out an application online.

The primary objective of an underwriting audit is to identify factors in your underwriting decisions that could have a negative impact on your exposure to risk. We'll also look for adherence to underwriting requirements, treaty parameters, internal underwriting guidelines and underwriting administration.

We Take It to the Next Level

We take auditing to a higher level than most firms by considering risk management at every step from new business to administration. Here's what our audits will cover:

  • Case sample selection

  • Appropriateness of risk assessment and classification of medical, financial, and non-medical risks

  • Adherence to internal underwriting guidelines, treaty parameters, published underwriting requirements,and prescribed processes

  • Substantiation of financial eligibility

  • Suitability of further medical, financial, and non-medical requirement

  • Adequacy of file documentation to support decisions made

  • Proper referral to the medical department or co-signer

  • Identify patterns of exception

  • Detailed report including case summaries

  • Trending and demographics charting

  • Training and Development plans for underwriters with below standard audit scores or areas of concern

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