For many, underwriting is the black box of the health benefits industry. For years, the calculations, data, and risk factors have been a mystery. But why should it stay that way? Gravie is pioneering a new way forward, called Surgical underwriting®. It’s a way for employers and brokers alike to get more insight, and more specificity, from the underwriting process.  In this episode, Gravie Chief Marketing Officer and host Jeff Smokler is joined by one of the architects of surgical underwriting, Jay Sheehy. Jay is Gravie’s Chief Underwriting Officer, with years of industry experience under his belt. To give a look from the consumer side of things, Jalaa Miller, an account executive for employee benefits at IMA Financial Group, joins the show.