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[Music] hi im doug levi principal agent and owner of strategic insurance services and today im going to talk to you about how does the insurance underwriting process work well the first place that the process starts is typically with your agent and its typically with an application almost all insurance requires you to take an application the agent or the carrier is going to gather a whole bunch of info from you if its life or health insurance obviously theyre going to talk about medical history your current health do you smoke do you take any medications so those are all things to be prepared for if its homeowners or auto insurance theyre probably going to ask you about past claims from there the process is going to go typically to the carrier so the actual insurance company and the other end there at the insurance company is where an underwriter is actually going to look at the information thats been gathered whether youve done that online whether youve done a paper applicat
