Underwriting Advocacy

A Proactive Approach to Obtaining Favorable Underwriting Offers and Policy Pricing

Advocacy Makes A Difference

Don’t anyone tell you that you are going to get the best deal on life insurance from an online broker. Most of the time that is not that case. Many people don’t realize that the single greatest impact on the price of a life insurance policy is professional management of the medical underwriting process. Any agent can show you an illustration with a specific rating, but that does not mean that you will necessarily be offered that rating once all of the medical information has been reviewed.

Using our knowledge of how carrier underwriters, medical directors, and actuaries make decisions, we proactively position your life insurance application it its most favorable light. We accomplish this through a proprietary informal underwriting process where we complete 90% of the underwriting BEFORE an application is submitted to an insurance company. This allows us to get ahead of any potential issues an assure that you get the best offers possible.