The APEX First Dollar Small Group Underwriting Guidelines are designed to assist the underwriter in evaluating characteristics and setting the appropriate parameters, subject to legislative limitations, for each small group. These guidelines are intended to provide the underwriter with a documented, consistent process for evaluating each small group. The guidelines offer such information as the definition of a small group, state rating restrictions for small groups, how much underwriting discretion is allowed, as well as what factors should be reviewed when applying that discretion.

The APEX First Dollar Small Group Underwriting Guidelines can be used to support the launch of a new small group product or to enhance an already established one. The guidelines are an important tool to ensure that your product has the appropriate set of underwriting policies and procedures to support it.