A facultative submission is the underwriting package an insurer sends to reinsurers when seeking a facultative offer. It includes the application, medical records, labs, financials, avocation details, and the carrier's tentative assessment. Clear, complete submissions reduce turnaround time and improve pricing by helping reinsurers quickly evaluate risk. Facultative submissions are common for jumbo cases, complex medical profiles, or foreign travel that exceed automatic reinsurance limits.

Case teams assemble complete facultative files-APS, questionnaires, financials, and diagnostic results-so reinsurers can respond quickly. Advisors track offers and negotiate where medical nuances warrant. Thoughtful packaging reduces back-and-forth, shortens turnaround, and increases the odds of landing the best possible terms for difficult cases.