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Author bio headshot, Bethy Hardeman

Bethy Hardeman

Bethy Hardeman is a personal finance writer and fintech marketer. She was part of the early team at Credit Karma and is now at Tally, the world's first fully automated debt manager. Her financial tips and advice have been featured in outlets such as CNBC, Glamour, TIME, USA Today, Forbes, U.S. News and World Report, Fortune and many more. She currently lives in San Francisco with her husband and three young sons.

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Life Insurance 101

Life Insurance Underwriting: How It Works & What You Need to Know

A life insurance underwriter is the person responsible for determining whether you get insured and how much it’ll cost you. Here’s how that works.

By Bethy Hardeman

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Accidental Death Insurance policies (Form VL-ADH1 with state variations where applicable) and Term Life Insurance policies (Form ICC16-VLT, ICC19-VLT2, and CMP 0501 with state variations where applicable) are issued by Vantis Life Insurance Company (Vantis Life), Windsor, CT (all states except NY), and by The Penn Insurance and Annuity Company of New York (NY only). Coverage may not be available in all states. Issuance of coverage for Term Life Insurance is subject to underwriting review and approval. Please see a copy of the policy for the full terms, conditions and exclusions. Policy obligations are the sole responsibility of Vantis Life.

Fabric Insurance Agency, LLC (FIA) is an insurance agency licensed to sell life and accident insurance products. FIA will receive compensation from Vantis Life for such sales. The NAIC Company Code for Vantis Life is 68632. See the Terms of Use for additional information regarding FIA.

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