Express Decision

Go from quote to approved in minutes

Get flexible coverage for your clients,
faster than ever.
Approved
Standard Plus
$2,000,000 face value
20 year term
$880 per year

Start now, finish now

A transparent, predictable experience for every client, whether you’re applying for $2 million or $20 million in coverage.

  • Easy, accurate quoting

  • Fully digital application

  • Intuitive issue and approval

See it in action

No needles, no exams

Approvals without labs or phone interviews for eligible clients.
Check eligibility

Life insurance
modernized

Client-friendly journeys that can be accessed any time, anywhere. Get a decision right away.
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Express Decision
for a
year old
looking for
face value
with a
term
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Eligible

Instant

Eligible clients can get an immediate medical decision and offer. If approved, proceed straight to issue— the fastest path to coverage.

Who may be eligible:

  • Age 18-60

  • $2 million or less

  • No major impairments

  • US residents

  • Individually owned policies

If needed

Accelerated

Clients that don’t get an instant decision may still be able to get a decision in days— weeks faster than traditional underwriting.

Who may be eligible:

  • Age 18-60

  • $2 to $3 milion

  • Some medical impairments

  • Foreign nationals

  • Business or trust-owned policies

If needed

Full

Some applications need more thorough review. In such cases, a dedicated team of underwriters will conduct the review— no need to re-apply.

Who may be eligible:

  • Age 60+

  • $3 to $20 million

  • Significant medical impairments

Get a demo
Express Decision

Backed by a
leading carrier

Fast, flexible coverage designed for advisors, backed by Ameritas Life Insurance Corp.
  • Proprietary products designed with top carriers
  • Expedited approval for life insurance at competitive rates
  • Transparent deal flows and relationship management tools

A+

Standard & Poor's rating

1887

founding year

6M

customers

Our experience
runs deep

Here are just some of the things people love about Modern Life.
What Advisors are saying
“
Modern Life and their technology makes writing life insurance easy and helps me advise my clients better. The whole process is seamless and they really go the extra mile to support my life insurance business.”
Matthew Lindquist
Principal, Source One Partners

Modern Life advisor since 2021

“
Modern Life's technology platform is second to none.  It's by far the easiest software to quote, share quotes with clients across multiple carriers and fill out the application.  I “drop’ the app by clicking a few buttons and they do the rest. No long forms of health questionnaire or follow up on exams, so it saves me a lot of time.”
Greg Hadel, CFS
Financial Advisor, Hadel Financial Advisors
Modern Life advisor since 2022
“
I can’t speak highly enough of the team and their level of expertise and professionalism. It’s refreshing to see a tech company that also has so much depth on the insurance side.”
Kevin Daly
‍Advisor

Frequently asked questions
about Express Decision

For advisors

What clients are a good fit for Express Decision?

Express Decision may be a fit for adults between the ages of 18 and 60, who are seeking market-rate protection for a specific period of time, with the potential to be approved in an instant.

Clients under the age of 50 applying for up to $2 million in coverage, or under 60 and applying for $1 million or less, may be eligible for instant application approval.

Express Decision term options include 10, 15, 20 and 30 years; and face amounts range from $100,000 to $2 million. The product caters to both healthy individuals and those without major impairments.

How is it different from a standard electronic application?

Unlike a standard application, Express Decision is built into the Modern Life experience, which means that both advisors and clients benefit from a seamless, end-to-end process, from quote to application to approval.

With Express Decision, clients and their advisors will immediately know if they are instantly approved for coverage, without the delays of re-entering data. Advisors can track their clients’ progress directly from their Modern Life dashboard, as well as any outstanding requirements or tasks.

How does the underwriting process work?

Once an Advisor fills out Part 1 of the application, the client is sent Parts 1 and 2 to review and complete.

Upon completion of Part 2, if qualified for instant decision, client is immediately notified of approval. Should the application be approved other than applied for, the client is still notified of their approval, but is encouraged to contact advisor with questions.

Applications that are not eligible for instant decision are sent to a light-touch underwriting process, in which the carrier orders additional requirements from vendors. This process generally takes up to five days, but does not typically require additional information from the client.

What will I need from my client to start the application?

Getting started is straightforward. Initially, you’ll just need your client's basic financial and health information to provide a quote. Once you've determined product fit, your client will receive a secure link to complete the application independently online, which includes a brief medical questionnaire. The process is designed to be efficient while ensuring we match your client with appropriate coverage.

For clients

What should I expect from the application process?

The application typically takes 10-15 minutes to complete. In order to speed up the process, you should have the following information on hand:
  1. Doctor information: Contact details for primary care and specialists
  2. Medical diagnoses: date of diagnosis and treatment details
  3. Medication usage: number of prescriptions and frequency
  4. Family history: Current and past illnesses of parents and siblings
  5. Visa details (if non-U.S. citizen): Number and expiration date

What’s the fastest I may be able to get covered?

Eligible applications may be approved in as little as an instant.
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