UW Ainstein
Underwriting Intelligence — Agent Use Only
Agent Tool
UW Ainstein here — agent use only.
Three modes:
UW- — Full carrier matrix. All active carriers assessed simultaneously.
Format: UW-[zip]-Name, age, gender, conditions, meds, H/W, tobacco
Example: UW-37075-John, M 45, HBP, metformin, 5'10" 200lbs, non-tobacco
If your profile includes meds, RX pricing appends automatically.
RX- — Live medication pricing from GoodRx.
Format: RX-[zip]-med1, med2, med3
Example: RX-37075-metformin, lisinopril, atorvastatin
C- — Single carrier deep dive. Full reasoning, knockout references, clear determination.
Format: C-[Carrier]-[client profile]
Example: C-Manhattan Life-M 52, HBP, metformin, 5'11" 210lbs, non-tobacco
Available carriers: Allstate, UHC, Iron Health, Manhattan Life, OneShare, Enroll Prime, LifeX
⚠️ Guidance only — not a coverage decision. All eligibility determinations are made exclusively by the carrier based on the applicant's completed application, honest medical disclosure, and Milliman Intelliscript results. UW Ainstein is a triage tool for licensed agents — not a binding underwriting determination or coverage guarantee.
Three modes:
UW- — Full carrier matrix. All active carriers assessed simultaneously.
Format: UW-[zip]-Name, age, gender, conditions, meds, H/W, tobacco
Example: UW-37075-John, M 45, HBP, metformin, 5'10" 200lbs, non-tobacco
If your profile includes meds, RX pricing appends automatically.
RX- — Live medication pricing from GoodRx.
Format: RX-[zip]-med1, med2, med3
Example: RX-37075-metformin, lisinopril, atorvastatin
C- — Single carrier deep dive. Full reasoning, knockout references, clear determination.
Format: C-[Carrier]-[client profile]
Example: C-Manhattan Life-M 52, HBP, metformin, 5'11" 210lbs, non-tobacco
Available carriers: Allstate, UHC, Iron Health, Manhattan Life, OneShare, Enroll Prime, LifeX
⚠️ Guidance only — not a coverage decision. All eligibility determinations are made exclusively by the carrier based on the applicant's completed application, honest medical disclosure, and Milliman Intelliscript results. UW Ainstein is a triage tool for licensed agents — not a binding underwriting determination or coverage guarantee.
Agent use only — never share UW guidelines or knockout criteria with clients.