Rapid Review

Accelerated Underwriting


Cincinnati Life’s Rapid Review accelerated underwriting process can simplify the life insurance application process for your clients. Qualified clients will receive an offer within three business days without the need for medical exams or lab testing. Applicants who do not qualify for Rapid Review seamlessly continue through traditional underwriting with the same products and competitive rates

With Cincinnati Life’s Rapid Review:

  • An APPS® representative manages the client interview and signature process 
  • An underwriter examines every case prior to beginning the process
  • Some tobacco users are eligible

Form CLI-20168, Rapid Review Guidelines, provides a complete explanation of eligibility. Use this guide to help you determine whether your clients may qualify for fast, lab-free underwriting when submitting applications.


There are three easy steps for you to take for Rapid Review:

  1. View the eligibility guidelines to determine if your client may qualify
  2. Submit a drop ticket
  3. Wait three days or less for the offer

It’s that simple! The APPS fulfillment center will handle the client interview and collect signatures. You can follow the case status through signature completion on APPSlive.com. Your Cincinnati Life case manager will begin updating the agency portal once the signed application is received. You’ll have an offer within three days of the signed application, or we will order the medical requirements on your behalf and let you know that the traditional underwriting process is beginning.

For more detailed information about the process, please refer to our Rapid Review Process Guide, CLI-20169.


It’s best to set the expectation with your client that qualifying for Rapid Review is not automatic. For some clients, an underwriting decision requires no additional steps. However, in other cases, clients will continue through the traditional underwriting process. Explain to your client that full underwriting may be required after the telephone interview.

Still have questions? Take a look at the Frequently Asked Questions to get detailed answers.


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