We’ve negotiated direct access to the systems of all Vive carriers so that Vive can collect and transmit data based on each carrier’s individual AU requirements. Thanks to this innovation, the AU process can begin right away and underwriting decisions can be made in days instead of weeks.
Vive is the only system that determines AU eligibility at this early stage. On the quote screen, Vive displays a list of options available to your client. The AU symbol identifies every policy for which your client meets the carrier’s AU criteria.
AU approval happens with no exam, blood work or medical records. Policies are issued in time frames measured in days instead of weeks or months.
…the approval process can be substantially faster than traditional underwriting because Vive and the carriers have agreed to seamlessly continue the underwriting process.
View each Vive carrier’s AU requirements, underwriting evaluation process, rate classifications and products available. Download a PDF to view all Vive carrier’s requirements. For additional medical and lifestyle criteria, please see the carrier website or contact your BGA (Brokerage General Agency).