Quick intro

Just so we know who's using the Hub — what's your name?

Carrier Knowledge Hub

Select a carrier to access its Underwriting and Product assistants.

Ameritas

Ameritas Life Insurance Corp.

DI Assistant

Underwriting, products, I&P limits, EZ App, DInamic Cornerstone, DInamic Foundation, BOE, riders

Cornerstone Jan 2026 · Foundation Oct 2025 · UW update Jun 2026

Assurity

Assurity Life Insurance Company

DI Assistant

Underwriting, products, financial UW, Income Protection+ (non-CA/FL/MT/NY), Century+ (CA/FL/MT/NY), BOE, riders

IP+ Feb 2026 · Century+ Aug 2025 · Occ Guide 2025

MassMutual

Massachusetts Mutual Life Insurance Company

DI Assistant

Underwriting, products, I&P limits, medical conditions, Express DI, Radius Choice, BOE, RetireGuard, riders

UW Guide Dec 2025 · Express & Medical guides 2025

Principal

Principal Financial Group

DI Assistant

Underwriting, products, I&P limits, medical conditions, Income Protector, HH750, OE, DBO, DIRS, riders

Guides updated February 2026

The Standard

Standard Insurance Company

DI Assistant

Underwriting, products, I&P limits, medical conditions, Simplified UW, Platinum Advantage, BOE, riders

Product Feb 2026 · Medical Dec 2025 · Admin Oct 2024

Medical Conditions Lookup

Cross-carrier underwriting guidance — all five carriers

Ask about any medical condition or impairment — diagnosis, control, duration — and get cross-carrier underwriting guidance including likely outcomes, ratings, exclusions, and what additional requirements may apply.

Answers are based on approved carrier guides only. Always verify with current carrier materials before submission.

Admin Controls

Prescreen library management · Admin only

Admin Access Required

Enter the admin password to access Admin Controls.

Add Prescreen Email Response

Carrier

Outcome

Condition Category

Specific Condition

Condition tags (selected above, or type and press Enter for custom)

Reconsideration possible?

Reconsideration criteria

Rider impact (if any)

Applicant age (optional)

Occupation class (optional)

Prescreen email / underwriter response (paste the full text)

Notes (optional — your own summary or context)

Bulk Upload via Spreadsheet

Upload an Excel (.xlsx) or CSV file with multiple prescreens at once. Download the template to get started.

Drop your file here

or click to browse

Template Column Guide

Column	Required	Notes
carrier	Yes	MassMutual, Principal, Ameritas, TheStandard, Assurity
conditions	Yes	Comma-separated list (e.g. "Type 2 Diabetes, Hypertension")
outcome	No	Standard, Rating, Exclusion, Rating + Exclusion, Decline, Postpone
category	No	Musculoskeletal, Cardiovascular, etc.
text	Yes	Full prescreen email / underwriter response
notes	No	Your internal summary or context
age	No	Applicant age (number)
occ_class	No	6A, 5A, 4A, 3A, 2A, 1A
reconsideration	No	Y or N
recon_criteria	No	Reconsideration criteria text
rider_impact	No	e.g. "No BIR; 5-year BP; COLA removed"

Saved Prescreens

Sonnet 5 vs Opus 4.8 — Test Log

Logged from Compare mode in the Carrier DI Assistant. Verdicts are scored against the carrier guide, not against each other.

Usage Log

Name-tagged usage from the Carrier DI Assistant and Medical Conditions Lookup. This is a lightweight honor-system tag, not authentication — anyone can type any name.

Occupation Class Lookup

Type an occupation to see classifications across all five carriers

Start typing to search over 130 common occupations

Model:

Quick intro

Welcome to the Carrier Knowledge Hub

Carrier Knowledge Hub

Admin Access Required

Add Prescreen Email Response

Bulk Upload via Spreadsheet

Template Column Guide

Saved Prescreens

Sonnet 5 vs Opus 4.8 — Test Log

Usage Log