A field underwriting manual is a carrier or BGA reference that outlines eligibility, preferred criteria, tables, and documentation triggers. It helps producers anticipate requirements and select the right product and face amount. Manuals support consistent case positioning and better client expectations by translating underwriting philosophy into practical guidance.

BGAs distribute manuals or cheat-sheets translating carrier criteria into practical guidance. Advisors consult them to pick products and anticipate requirements. Manuals help set realistic expectations and avoid surprises that derail cases late in underwriting.