A field underwriting report is a narrative or form the producer submits with the application summarizing key health history, lifestyle, financial purpose, and advisor insights. It contextualizes disclosures, explains recent improvements, and highlights credits that might offset debits. A strong report can materially influence underwriting outcomes on borderline cases.

Advisors attach a clear cover letter summarizing history, stability, and positives, plus context for any red flags. Underwriters appreciate concise, factual reports that reduce back-and-forth and allow faster, more accurate decisions.