A field underwriting checklist is a structured list of questions and documents producers use to pre-screen applicants. It covers age, build, vitals, medications, diagnoses, labs, financials, foreign travel, and hazardous activities. Checklists improve disclosure accuracy, lower NIGO rates, and guide carrier selection, especially for impaired-risk or large-face cases.

Teams standardize intake using checklists so nothing is missed-especially high-impact items like recent imaging, foreign travel, or financials on large cases. Better intake equals fewer NIGOs, faster approvals, and improved advisor credibility with clients and carriers.