Acquire New Life Insurance Remotely with Automated & Digital Underwriting

Updated: May 1


TRC Financial Digital Life Insurance Underwriting

Our new business team, along with our life insurance carrier partners, are fully operational to underwrite and issue new life insurance policies. This includes corporate, individual and trust owned policies. Our life insurance services allow us to issue new policies 100% digitally allowing you to acquire new life insurance policies remotely.


We have invested heavily in the technology and training which allows our firm to deliver a proprietary digital underwriting process for evaluating and acquiring new life insurance policies.


Policy Evaluation & Analysis: Our firm is in a unique position as a result of a singular focus on affluent individual and corporate life insurance clients. As a Member Firm of M Financial, we represent enormous buying power and influence. This translates into the ability to create special and proprietary life insurance products for clients. We deliver detailed analysis to model the short and long-term financial impact of acquiring life insurance using products that include guaranteed, general account, indexed and separate account offerings. We do business in nearly every state and operate effectively with online meetings to review our analysis and build trust with our clients.


Underwriting: Our new business underwriting team made a commitment to move our underwriting process to 100% digital in late 2018. We have worked diligently for over a year to bring to our clients a digital underwriting process that involves the following work steps:


  1. Private Underwriting Health Assessment: This is an online form to capture critical data about your health to determine if you qualify for a no medical exam underwriting process which includes up to $5M in death benefit.

  2. Digital Gathering of Medical Records: If required, we gather all of your medical records electronically and have them reviewed and assessed with our Private Underwriting process to protect your privacy & insurability.

  3. Insurance Company Exam: If you qualify, no medical exam will be required. For death benefits over $5M or if your health doesn't qualify, we schedule your insurance exam at a convenient time and location of your choice, including your home.


Applications: Our application process starts with a digital secure form to capture all of your information. Your responses are transmitted using SSL encryption. We permanently store the information transmitted on Salesforce.com. For more security information on Salesforce.com, click here. Then, we obtain the necessary signatures and provide relevant product details and disclosures via e-signature through DocuSign to complete the application.


Policy Delivery: Once approved by the life insurance carrier, we deliver the policy contract as a PDF. Upon payment of premium, the new life insurance policy is inforce.


Please contact us if you have any questions about our automated and digital underwriting process.



This is not an offer to sell a security or insurance product. This information is provided for informational purposes only and should not be construed as legal or tax advice. This material and the opinions voiced are for general information only and are not intended to provide specific advice or recommendations for any individual. https://www.trcfinancial.com/disclosure

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TRC Financial Insurance Services and affiliates are presently licensed to sell insurance and annuity products, as well as other securities products in the following states: Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Idaho, Illinois, Iowa, Kansas, Kentucky, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Nevada, New Jersey, New York, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Washington, West Virginia and Wisconsin. Residents of other states should consult with a local registered representative for insurance services and securities products. Proper state registration is mandatory prior to conducting business in that state. This is not an offer to sell securities, which may be done only after proper delivery of a prospectus and a client suitability review. CA License - #0E14614 \ CA License #0B40789 \ CA License #0B52893 - The principle place of business and the state of domicile for TRC Financial is: 1 Post, Suite 150, Irvine, CA 92618. Securities offered through Registered Representatives of M Holdings Securities, Inc., a Registered Broker/Dealer Member FINRA / SIPC. Check the background of this Firm and/or investment professional on FINRA's BrokerCheck. TRC Financial is independently owned and operated and is a Member Firm of M Financial Group. Please go to www.mfin.com and click on “Disclosure Statement” at the bottom of the home page for further details regarding this relationship.

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