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Get Started With XRAE

This document provides instructions for using the XRAE tool to underwrite life insurance cases. It describes the main screens where users can view existing cases, create new cases, and enter required information for a case. It outlines the sections of the questionnaire where medical details are entered. It explains the possible search results and how to message carriers if additional review is needed. It provides guidance on receiving and recording carrier responses.

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david restrepo
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34 views

Get Started With XRAE

This document provides instructions for using the XRAE tool to underwrite life insurance cases. It describes the main screens where users can view existing cases, create new cases, and enter required information for a case. It outlines the sections of the questionnaire where medical details are entered. It explains the possible search results and how to message carriers if additional review is needed. It provides guidance on receiving and recording carrier responses.

Uploaded by

david restrepo
Copyright
© © All Rights Reserved
Available Formats
Download as PDF, TXT or read online on Scribd
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MAIN SCREEN

This is the display screen when you log into XRAE. Here you will see a list of the cases in your database highlighted in
GREEN. You can filter by several options, including Client Name, Agent Name, Creation Date, and more. Create a new
case by clicking on the button labeled “Create New Case.” To edit your profile, select “System Settings” in the upper
right-hand corner.
CREATING A NEW CASE: REQUIRED INFORMATION
The CREATE NEW CASE button will redirect you to the REQUIRED INFO screen. You’ll be prompted to answer the six
questions displayed in the screenshot below. These questions are mandatory. A yellow warning box will appear if any
of the required information is incomplete.

After completing the required information, click on NEXT SECTION in the bottom right-hand corner of the screen to
proceed to the questionnaire. You can also click on QUESTIONNAIRE under the CASE ACTIONS section to the left of
the questions highlighted in GREEN. CASE ACTIONS also allows you to navigate to the CASE OVERVIEW which gives
you an overview of everything you answered, go straight to the SEARCH RESULTS, send the quote to others with
MESSAGING, and PRINT out the case info.
QUESTIONNAIRE
The questionnaire allows you to provide details about your client’s build, family history, blood pressure, cholesterol,
and more. These sections are optional, but the more information you can provide, the more accurate your results will
be.

You can access the various sections of the questionnaire via the options listed in the left navigation under
questionnaire or by clicking the GO BACK and NEXT SECTION buttons highlighted in BLUE.

When you’ve provided as much information as you have available, select the SEARCH UNDERWRITING button at the
bottom of the screen.

If you select Medical Conditions you will be able to choose up to three medical conditions.

For a summary of what you’ve completed, click on CASE SUMMARY on the left hand side. It will show all of the
questions and answers you’ve completed in a simple format.
SEARCH RESULTS
The Search Results page displays the insurance carrier, along with the XRAE decision. There are three potential
outcomes that can be displayed on the Search Results page:

• Health Class Rating: Insurance carriers suggested mortality class linked to the Underwriting Quote (i.e.
Elite NT, Preferred NT, Standard NT, etc.)
• Decline – Do Not Quick Quote: The XRAE engine has deemed the applicant uninsurable.
• Additional Review Required - Click the Messaging link to request UW review: XRAE engine is unable to
make a health class or decline decision on the applicant. To obtain an underwriting quote, manual review
by an underwriter is required.
• XRAE Quote Not Available: XRAE engine is unable to make a health class or decline decision on the
applicant. To obtain an underwriting quote, manual review by an underwriter is required.
NOTE: The “Underwriting Guide” link under the health class result provides National Life Group’s Field Underwriting
Guide for quick reference.

Hovering over the info bubble will show a key for the various icons you may see next to the underwriting result based
on the nature of the result and other factors.
NOTE: Throughout XRAE, you have the option of entering additional information about a condition or set of responses.
This could be for the purposes of note taking or to provide additional context about the case. As is shown below, any
free-form information entered there is not evaluated by the XRAE search engine. The Underwriting result in this case
will be based solely on the responses provided within the questionnaire. If a health class result is returned based on
those responses, it will include a caution icon indicating that the free-form information provided may alter the
ultimate health class. To have this information reviewed by a carrier underwriter, utilize XRAE’s Messaging
functionality (more on this later).
MESSAGING
When the XRAE decision is Additional Review Required - Click the Messaging link to request UW review, this means
that based on the responses entered, the carrier does not wish to provide an instant XRAE rate class result. In this
case, you can use XRAE’s Messaging functionality to send a summary of your case to the carrier underwriter for review
and response.

To send a message, click on MESSAGING in the left navigation, then click on SEND TO CARRIER
From there, you can select the carrier email inbox, add any additional comments in the free form box below and click
Send Case To Selected Carriers.
Sent Messages will now be found in your Case Message List on the Messaging page and can also be viewed from the
Case Overview page. When the carrier responds to your message, the status will change to “Responded” (you will also
receive the response directly into your own email inbox).

When a Response is received, it can be recorded on the Carrier Response page. Click on CARRIER RESPONSES in the
left navigation, then record the health class response received from the carrier by selecting the appropriate class from
the dropdown. You can also record any relevant info or details from their response by clicking on the Carrier Notes
magnifying glass.

If you have questions, you can reach our XRAE support team at (800) 641-6557 opt. 2 or [email protected]

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