underwriting-exception-approval.md

Uploaded 8/8/2026, 11:55:00 PM

# Underwriting Exception Approval

When an application falls outside standard Underwriting Guidelines, the Underwriting Team routes it to a Senior Underwriter instead of approving or denying it directly.

The Senior Underwriter first reviews the full application and driving or claims history, then decides whether to approve with a rate adjustment, approve with conditions, or deny.

Policy requires all exception approvals to be documented with a written justification in the Policy Administration System. In practice, Senior Underwriters usually consult with the Underwriting Manager on borderline cases before finalizing a decision, even though it isn't formally required.

Applicants denied under exception review can request a second review from the Underwriting Manager, which is a further exception to the standard exception process.