Life Underwriting Case Evaluator
Systematically evaluate life insurance applications with structured data analysis
What You Can Do
You can provide Claude with medical history, financial information, and lifestyle details from a life insurance application, and it will structure this data into a comprehensive underwriting assessment. Claude evaluates risk factors across medical, financial, and lifestyle dimensions, documents each finding, and produces a clear recommendation with supporting evidence. The result is a professional underwriting decision that's transparent, compliant, and audit-ready.
Features
Systematically evaluates medical history, current conditions, medications, and test results to identify health-related risk factors and their underwriting implications
Analyzes income, assets, liabilities, and financial stability to assess the applicant's ability to maintain coverage and detect insurance needs misalignment
Evaluates employment hazards, hobbies, travel patterns, and personal habits to identify non-medical risk factors that affect underwriting classification
Produces clear, audit-ready underwriting decisions with documented rationale, risk classifications, and specific factors supporting the recommendation
Assigns risk scores and classifications (standard, preferred, rated, decline) based on industry underwriting guidelines and best practices
Ensures underwriting decisions align with regulatory requirements, anti-discrimination standards, and company underwriting policies
Identifies cases requiring expert review, additional investigation, or policy exception approval for complex or borderline scenarios
Example Output
Example 1: Standard Risk Decision
APPLICANT: Jane Smith, 42-year-old, $150k annual income
MEDICAL: Treated hypertension (controlled), no other conditions
FINANCIAL: Stable income, $200k savings, minimal debt
LIFESTYLE: Office worker, light travel, non-smoker
RECOMMENDATION: APPROVE at Standard Rates
RATIONALE:
- Medical: Controlled hypertension with good compliance (low risk)
- Financial: Strong income-to-need ratio supports $500k coverage
- Lifestyle: Low occupational and behavioral risks
RISK SCORE: 3/10 (Standard)
Example 2: Rated Risk with Additional Review
APPLICANT: Robert Chen, 55-year-old, $120k income
MEDICAL: History of coronary artery disease (stable, post-stent)
FINANCIAL: Adequate income, moderate debt, recent business loss
LIFESTYLE: Semi-retired consultant, high travel frequency
RECOMMENDATION: APPROVE at Table B Rates (25% surcharge)
ADDITIONAL REQUIREMENTS: Cardiologist letter required
RATIONALE:
- Medical: Cardiac history elevates mortality risk (requires specialist confirmation)
- Financial: Income decrease warrants $250k max vs. $500k requested
- Lifestyle: Travel manageable with approved coverage levels
RISK SCORE: 6/10 (Rated)
EXCEPTION: Manager review required due to cardiac history + financial change
What's Included
- Life Underwriting Evaluator Skill (SKILL.md): Complete Claude skill with structured workflows for medical assessment, financial analysis, lifestyle evaluation, and decision documentation
- Application Data Template: Standardized template for organizing applicant information (medical, financial, lifestyle) in a format Claude processes efficiently
- Underwriting Decision Framework: Industry-standard decision logic for risk classification, rate tables, and exception identification aligned with underwriting best practices
- Compliance Checklist: Regulatory and anti-discrimination verification to ensure decisions are defensible and compliant with insurance regulations
- Risk Scoring Methodology: Quantified scoring system (1-10 scale) and classification rules (Standard, Preferred, Rated, Decline) with documented justification
- Integration Guide: Instructions for integrating the skill with your underwriting workflows, case management systems, and documentation requirements
Who It's For
- Life Insurance Underwriters
- Medical Underwriters
- Risk Assessment Specialists
- Underwriting Managers
- Insurance Company Operations Teams
Best For
- Life insurance application review and decision-making
- Risk classification and rating determination
- Underwriting documentation and compliance
- Exception identification for expert review
- Volume processing of routine underwriting cases
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