The only carrier intelligence tool that instantly matches your client's health profile to the right carrier — across 50+ options. No more cheat sheets. No more declined apps.
Right now you're flipping through PDF cheat sheets, cross-referencing carrier guides, and hoping you picked the right one. One wrong carrier match and you've wasted your client's time — and your own. ClarityUW eliminates the guesswork.
Enter your client's age, tobacco status, height, weight, conditions, and medications. ClarityUW instantly ranks every carrier from best standard match to guaranteed issue fallback — with accept/decline breakdowns for each.
Search any medical condition — from Diabetes to COPD to Rheumatoid Arthritis — and instantly see which carriers accept, decline, or conditionally rate across all product types. Filter by FEX, MP/Term, or GI.
Select one or more medications — Metformin, Lisinopril, Ozempic, whatever your client takes — and ClarityUW shows you every carrier's response, the flagged conditions, and combined impact when multiple meds are stacked.
Age, tobacco status, build, health conditions, and current medications. Takes 30 seconds.
ClarityUW cross-references every carrier's underwriting criteria and ranks your options from best to worst.
Click through to the carrier's agent portal or eApp. No more guessing. No more declined apps.
"I built ClarityUW because I was tired of flipping through cheat sheets at 10pm trying to figure out which carrier would take my client. If you sell MP or FEX, this tool will change your workflow."
For solo MP & FEX agents
For power users
For teams & IMOs