XRAE is an on-line underwriting application that allows you to evaluate a client's medical conditions against the published guidance, published best case scenarios and, in some cases, unpublished underwriting rules of every carrier on the XRAE platform. It gives you the ability to forward a client's information to one or more carriers for a quick tentative health rating based on the information you provide. The typical response time from the carriers is 24-48 hours. Be sure to check out the questionnaires below.

Click here for XRAE Training. This tutorial only takes 4 minutes!

Click here to launch XRAE. 

Note:  If you are a first time user to XRAE, you will need to be set up.  It only takes a few minutes, please call Donna Hallmark at (205)268-3979 or Brooks Williams at (205)268-3941

XRAE Questionnaires

You may print these questionnaires. You can take them with you to a meeting, complete them while on the phone, or email/fax to have your client complete them. Once completed, you can input the information into XRAE, to determine which carrier would be best for your client.

• Alcohol abuse
• Alzheimer's/dementia/cognitive impairment
• Anxiety
• Arthritis (General or Rheumatoid)
• Asthma
• Atrial Fibrillation
• Cancer
  • Breast
  • Colon
  • Leukemia
  • Lung Cancer
  • Lymphoma (Hodgkin's)
  • Lymphoma (Non-Hodgkin's)
  • Ovarian
  • Prostate
  • Skin
  • Other
• COPD
• Coronary Artery Disease
• Cerebrovascular Disease/TIA
• Crohn's Disease
• Depression
• Type I Diabetes (Insulin)
• Type II Diabetes (Oral)
• Drug abuse
• Epilepsy
• Heart murmur/valve disease
• Hepatitis:
  • Type A
  • Type B
  • Type C
• Irregular heartbeat/palpitations
• Kidney disease
• Lupus
• Cirrhosis
• Elevated Liver Functions (LFT)
• Multiple Sclerosis
• Parkinson's Disease
• Peripheral Vascular Disease
• Sleep Apnea
• Stroke
• Weight Reduction Surgery
• Other Medical Condition