As part of the application, the insurer often requires the candidate's approval to acquire information from their physicians. Automated Life Underwriting is a technology option which is developed to carry out all or some of the screening functions typically completed by underwriters, and thus looks for to lower the work effort, time and/or data required to finance a life insurance application.

The death of underwritten persons rises much more rapidly than the general population. At the end of 10 years, the mortality of that 25-year-old, non-smoking male is 0.66/ 1000/year. Consequently, in a group of one thousand 25-year-old males with a $100,000 policy, all of typical health, a life insurance coverage company would need to gather approximately $50 a year from each participant to cover the reasonably few anticipated claims.

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