Our in-house underwriting team has the experience you need to stay ahead of the competition and place your most difficult cases. With more than 20 years of experience in the impaired underwriting marketplace, 3 Mark’s team of skilled underwriters and support professionals are here to aid you in providing competitive solutions for your clients. The combination of personal support and the latest technology gives you the competitive edge you need to place more business.
Tools and Resources
- Carrier Specific Underwriting Guidelines and Resources
- Strategic Underwriting Program
- Underwriting Questionnaires
- Informal Inquiry/3 Mark Authorization Form
- Used exclusively to gather or review specific information on a proposed insured’s medical history that may impact underwriting and rating classification. This is not an application for insurance and in no way guarantees a specific underwriting class or binds any insurance coverage with any insurance carrier.
- XRAE Pre-Underwriting Assessment Tool
- Online underwriting assessment allows producers to enter client’s health information and get instant feedback on potential ratings with multiple carriers.
- RX for Success
- Prudential’s extensive library of Rx for Success newsletters explain life insurance medical impairments and other underwriting issues in “lay terms.” These pieces provide general educational background to let you know what is important from an underwriting or mortality standpoint, and provide a “ballpark” on how the impairment will likely be rated. Registration will be required at Prudential’s website.
- Underwriting Guidelines
- Carrier underwriting guidelines
Intel

David Royse
Vice President – Underwriting
Direct Line: 281.269.2341
Toll Free: 888.533.6275 ext. 341
davidr@3mark.com