Large case submission is the process of preparing and delivering a comprehensive application package for a high face amount or complex life insurance case, often involving multiple carriers and reinsurers. It goes beyond standard application forms to include detailed cover letters, financial statements, tax returns, business valuations, estate planning diagrams, and medical records summaries. The goal is to present underwriters with a clear, well documented rationale for the coverage amount, ownership structure, and product selection, minimizing back and forth questions and positioning the case for favorable consideration. Effective large case submission showcases the advisor's professionalism and helps carriers feel confident about taking significant risk on a single life.

In everyday advanced sales work, advisors and BGAs treat large case submissions as projects, coordinating with CPAs, attorneys, and clients to gather all necessary documents. A strong submission includes a narrative explaining the purpose of coverage, such as estate tax liquidity, buy sell funding, or key person protection, along with quantitative analyses supporting the face amount. It may also address known underwriting concerns and propose solutions, such as premium financing structures or split ownership. Carriers and reinsurers respond more positively to large case submissions that anticipate their questions and provide organized, complete information. Advisors who specialize in large cases often develop templates and checklists to standardize this process. By investing time in robust large case submissions, producers increase placement rates, shorten underwriting timelines, and build stronger relationships with carriers and professional partners involved in complex planning.