Aviva USA has become a participating carrier on XRAE, the life insurance industry's leading multi-carrier field underwriting software.   Through XRAE, carriers provide immediate, automated underwriting quotes based on their proprietary underwriting rules to the distributors of their products.  Brokerage general agencies, direct marketers and agents can access XRAE's underwriting web service through XRAE Brokerage, XRAE Direct, www.xrae.com and through the products of XRAE's integration partners.  For more information, visit www.xrae.com.