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Underwriting Fit Preview

Ten questions about a client's health profile. In return: the realistic rate class range, which carriers we would shop first, and what would actually move the offer. No login, no client names. Nothing you enter leaves your browser.

BMI = weight (lb) x 703 / height (in) squared. Rough bands are fine.

Parent or sibling, cardiovascular disease or cancer.

Why the first carrier matters more than the health facts

Most rated offers we see were not caused by the client's health. They were caused by the application going to a carrier whose guidelines were wrong for that profile. A client with well-controlled type 2 diabetes might be Standard at one carrier and table rated at another, on the same labs. The health facts were fixed; the carrier choice was not.

That is the gap this preview closes. Before a client fills out anything, you can see whether the profile is clean, shoppable with the right carrier, or genuinely hard, and set expectations accordingly.

How the preview works

The estimates run on field-underwriting tendencies across the life carriers in our lineup, held deliberately conservative. Each answer can cap the best achievable class, and stacked moderate factors pull the likely outcome down a step. Carrier suggestions appear only where a carrier has a published tendency for that specific factor. We review the rules quarterly; they are current as of July 2026.

Most brokerages would gate a tool like this behind a sales call. We give it away because better-informed referrals are better for everyone: the advisor sets honest expectations, the client is not surprised by underwriting, and the cases that reach us are the ones worth shopping. If the preview alone helps you set expectations, that is a fine outcome for us.

Common questions

Is this a quote?
No. It is an educational preview of where a health profile tends to land across common underwriting guidelines. A real offer comes from a carrier underwriter after an application, and it can be better or worse than this preview.
Why do the same health facts price differently across carriers?
Every carrier publishes the same class names, but the cutoffs behind them differ. Build charts, blood pressure limits, cigar and cannabis allowances, and credit programs all vary. One carrier's Standard Plus is another carrier's Preferred, which is why the first carrier you pick matters more than clients expect.
Is client information stored anywhere?
No. The preview runs entirely in your browser. Nothing you select is sent to a server, stored, or logged, and no client name is asked for anywhere.
What happens if I refer the case?
We shop it across our carrier lineup, handle underwriting and paperwork, and report status along the way. You keep the client relationship, and we never upsell or market to your client.
How is Aligned Path compensated?
By the carrier, when a policy is placed. Your firm pays us nothing, and there is no fee to you or your client for shopping a case. Carrier compensation is a real conflict, so we manage it with process: cases are shopped across the lineup for fit and underwriting outcome, options are presented in plain language, and the client decides on their own timeline.

Working with a client whose profile looks harder than this preview suggests? Those are the cases we like. Send the details and we will tell you honestly whether it is shoppable.

How working with us goes