As you know one of the main hurdles with writing Life Insurance is the underwriting process. Field underwriting is a proactive way you can ensure the underwriting process is smooth for you and your client. As the Agent, you gather important health history information on your client, before the official application process is even started. This allows LFS to reach out to our top carriers, anonymously, for an accurate rate class. Ensuring that they are applying with the best carrier with a realistic premium, the first time.