Describe your client. Get one carrier-backed recommendation, with the actual guideline citation behind it.
The Underwriting Gap
Not sure where a medically complicated case belongs?
Tired of texting someone every time a medication changes the picture?
Submitted a case you were sure would pass — and got a decline anyway?
The problem isn't underwriting. It's having to search, interpret, and compare carrier rules every time you need to place a case.
UMA does that work for you. Get one carrier-backed recommendation with the guideline citation behind it.
Why Uma
Stop flipping through PDFs. Uma reads the guide for you and returns the exact answer your client needs.
Uma reads the client details and automatically selects the right carrier and document — no guesswork about which guide to open.
Get specific figures, rate classes, and table ratings cited directly from the guide — not summaries, not approximations.
Guides are updated centrally. Every agent on the team gets the latest version automatically — no more stale PDFs on personal drives.
See It Work
See how UMA turns a medically complicated case into a specific, guideline-backed recommendation.
The Case
Uma's Recommendation
Transamerica — Trendsetter Super Series, Table 2
Cited from Transamerica's Underwriting Field Guide, p. 34 — Diabetes Type 2 table-rating chart.
Carriers
Currently supporting F&G, Foresters, Allianz, Transamerica, and American Amicable, with more carriers being added.
Why Trust Uma
Your client data stays private. Your recommendations stay carrier-neutral. And you're never locked into a contract.
Every client profile is isolated to the agent who created it — even inside a shared agency account, teammates never see another agent's case details.
Uma isn't owned by or affiliated with any carrier it researches. Every recommendation comes from the guideline text alone — never a placement incentive.
No long-term commitment and no cancellation fees. Cancel anytime, right from your account.
Pricing
One price. Every supported carrier. No surprises.
FAQ
Which carriers does Uma cover?
UMA currently supports Transamerica, F&G, Allianz, Foresters, and American Amicable, with more carriers being added.
Does Uma make the final underwriting decision?
No. Uma gives you the recommendation and the exact guideline citation behind it, but every case still goes through the carrier's own underwriting review for the final decision.
Will the same case always get the same answer?
Yes. For any case Uma is confident on, the recommendation is grounded directly in the guideline text — run it again and you'll get the same answer, not a different roll of the dice.