As part of the application, the insurance provider typically needs the candidate's authorization to get details from their physicians. Automated Life Underwriting is a technology solution which is developed to perform all or a few of the screening functions traditionally finished by underwriters, and hence seeks to decrease the work effort, time and/or data necessary to finance a life insurance coverage application.

The death of underwritten individuals increases far more quickly than the general population. At the end of 10 years, the death of that 25-year-old, non-smoking male is 0.66/ 1000/year. Subsequently, in a group of one thousand 25-year-old males with a $100,000 policy, all of typical health, a life insurance company would have to collect approximately $50 a year from each individual to cover the reasonably couple of expected claims.

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