Skip to main content

EquiTrust   |   E-Connect



Underwriting Decisions Right Now!

UnderWRITE-NOW Processing


User Tips and Resources


The EquiTrust UnderWRITE-NOW point-of-sale-processing helps you run your business more efficiently. After you complete the application and Pre-Qualification Checklist, a point-of-sale interview (including MIB and prescription drug database check) will result in an underwriting decision by the end of the interview in most cases!


UnderWRITE-NOW processing offers valuable benefits for your life-product sales, including

• Immediate underwriting decisions for most sales – no down-time!

• Policies are issued and commissions paid sooner


Here are some user tips and helpful resources for using UnderWRITE-NOW Processing.


User Tips

• Complete the Pre-Qualification Health Checklist

Before starting an application, review the Pre-Qualification Health Checklist with your client. The Checklist is available on the Agent Website, at the Underwriting Quick Link, and also appears in Section D of the Application. Any "Yes" response or pending surgeries result in automatic decline of coverage. If pre-qualification is successful, you may complete the application.


To view or download the Pre-Qualification Checklist, click here.


• Complete Telephone Interview Before Submitting Application

Life applications will not be processed without a completed telephone underwriting interview. Most calls to ESP during business hours are answered by an underwriting specialist. However, if your interview call goes to voicemail, leave a message – rather than redialing the ESP phone number. Calls are returned within 10 minutes in most cases.


• Information Provided in the Interview Must Match Application Information

During application processing, EquiTrust will compare application content to information provided in the phone interview. Avoid processing delays by assuring that you and your client provide consistent information on the application and during the interview. For example, the height and weight on the application must match the numbers provided in the interview.


• Client Preparation Helps Minimize The Length of the Telephone Interview

In most cases, telephone interviews take 15-20 minutes. If your client isn't properly prepared, interviews may run longer. Your client should have available:

• the names and addresses for all physicians

• dates of physician and facility visits

• current medications and dosages

• details of injuries, conditions and illnesses



Watch 5-Minute Video on UnderWRITE-NOW Processing

Underwriting Guidelines

Life FAQs


Questions? Call Sales Support
at 800-811-9733 or
visit the Agent
Website at


Products underwritten and issued by EquiTrust Life Insurance Company, West Des Moines, Iowa. Products distributed by

EquiTrust Insurance Marketing Services; in California doing business as EQT Insurance Marketing Services.





7100 Westown Pkwy Suite 200
West Des Moines, IA 50266

scroll to top of page