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Performance Metrics as of 9/30/2026

41%

Instant Decision¹

48%

Instant Decision (under age 50)²

83%

Exam-Free Decision³

54%

Quick Decision (3-day)⁴

65%

10 day Decisions⁵

97%

First Call Resolution⁶

*Note: Performance Metrics are updated monthly on the 1st Tuesday of each month.

¹"Instant decision" is defined as the number of Horizon instant decisions and expressed as a percent of total decisions made. Reported for full month September 2026. Excludes reopen, incomplete and withdrawn applications.

²"Instant Decisions Rate (age <50)" is the number of Horizon instant decisions as a percent of total decisions made. Decision rate is calculated based on decision. Reported for full month September 2026, Horizon applications only.

³"Exam-free decisions" is defined as a percentage of total decisions from all business submitted through Horizon (term-only applications). Exam-free decision rate is calculated based on decisions in a 30-day period, if an exam was ordered and includes instant decisions. Reported for full month September 2026, Horizon applications only.

4"Quick Decision Rate" is the number of Horizon applications eligible for automated underwriting (non-NY, ages ≤ 60, face ≤ $4m) decisioned within 3 calendar days as a percent of total volume of eligible applications submitted during a rolling 90-day window.

⁵"10-day decision rate” is defined as the percent of applications that reached any decision in 10 days or less upon submittal compared to the total number of decisions. 10-day decision rate is calculated based on decisions in a 30-day period.

⁶"First Call Resolution" is the percentage of phone inquiries that are fully resolved during the course of that phone call and require no further action or research. Metrics reported YTD through August 2026. Subject to change.

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