This research aims to analyze the underwriting process in the selection of life insurance policies in one insurance company (PT. Asuransi XYZ) in Indonesia. This research discusses the mechanism of policy recovery to calculate the extra premiums that must be paid. Insurance products that are the object of research are insurance for financing a child's scholarship. The data used is secondary data from the XYZ Insurance Company, which is the policy recovery request data document (SPPP) and the data of the Policy Holder and the insured. The variables used in the calculation are the variable x (the age when entering insurance), n (duration of premium payment), and EM (extra mortality). Based on the results of the research, the recovery of the insurance policy goes through the stages of the underwriting process, risk classification, document verification,

Keywords : Underwriting, Life Insurance, Policy Recovery, Extra Premium