A reconsideration letter is a written request submitted to a life insurance carrier asking it to review a prior underwriting decision or current policy rating based on new or clarified information. The letter, often prepared by the advisor or general agency, summarizes the original decision, outlines what has changed-such as updated medical records, improved lab results, or smoking cessation-and explains why a better rate class may now be appropriate. Supporting documentation, including physician statements and recent test results, is typically attached. A clear, concise reconsideration letter helps underwriters quickly understand the case, focus on the most relevant facts, and decide whether a revised offer is warranted.

In everyday practice, case managers draft reconsideration letters when clients want to challenge high ratings or capitalize on improved health. They coordinate with advisors to collect updated information and with underwriters to learn what evidence will be most persuasive. The tone of a good reconsideration letter is collaborative rather than confrontational, acknowledging the original decision while making a reasoned case for change. Agencies keep templates to standardize structure and ensure they address policy numbers, dates, and specific rating elements. Effective reconsideration letters can save clients substantial premium dollars and reinforce the advisor's value as an advocate who continues working for the client after policy issue.