• Insurance underwriting is the process of determining the right level of coverage for a client based on the risk assumed by the insurer. When providing life insurance, underwriters look at a number of factors that may affect the length of an individual's life, from family health history to factors like smoking. Chicago based underwriters are employees of large companies who help underwrite policies, or third party agents who find and underwrite policies for individuals from a large pool.
  
  

MetLife

• MetLife is a national insurance company with a number of offices in Chicago. The company provides five types of life insurance, one for short-term clients, three for lifelong clients, and one for survivorship clients who will divide the policy between two parties. Holders of a MetLife life insurance policy from group coverage may convert that coverage without underwriting. Individuals applying for MetLife life insurance will undergo an underwriting process to determine the appropriate policy. MetLife underwriters in Chicago considers an applicant's history of smoking, blood pressure, cholesterol, family history and personal history.
  
  MetLife
  
  2223 South Wentworth Ave #2
  
  Chicago, IL 60616
  
  312-842-2772
  
  metlife.com
  
  

Munich American Reassurance Company

• Munich American Reassurance Company is the American branch of a German reinsurance company, with offices in Atlanta and Chicago. Reinsurance means Munich American will underwrite individuals to buy insurance policies from other companies to the benefit of the policyholder. Individual life reinsurance is MARC's core product. Munich American purports to have veteran underwriters and doctors. Together these professionals approach the complexities of underwriting and the various medical considerations inherent in the process. Actuaries at MARC work alongside underwriters and doctors to tailor life insurance policies to each applicants needs.
  
  Munich American Reassurance Company
  
  2 N. LaSalle St., Suite 1000
  
  Chicago, IL 60602
  
  312-863-8400
  
  marclife.com
  
  

Associated Underwriters of America

• Associated Underwriters of America is an independent insurance agent located about 20 minutes northwest of Chicago's O'Hare airport, in the metro area city of Rolling Meadows. Associated Underwriters provides, in the words of the company's website, "a valuable death benefit to your beneficiaries upon your death." Associated Underwriters is a third-party intermediary that works closely witn clients during a thorough underwriting process, then finds the optimal insurance policy from a large pool of providers that includes AIG, Aetna, and United Health Care.
  
  Associated Underwriters of America
  
  1701 Golf Rd
  
  Tower 3, Seventh floor
  
  Rolling Meadows, IL. 60008
  
  847-427-8400
  
  underwriters.cc