We can get you the best insurance for the best price, based on your needs. We do this through our underwriting advocacy. In the context of life insurance underwriting, “advocacy” means working on your behalf to:
- Negotiate with carriers to get you the best offers.
- Avoid unnecessary tests or gathering of medical records.
- Match you to the correct underwriting pathway for your needs and risk profile.
Life insurance underwriting includes an examination of your health, work, what you do for fun, and financial profile by an insurance company to assign a “risk class” for your policy. The risk class directly impacts the required premium for your coverage. A more favorable class will result in a lower required premium as illustrated in the graph to the right. Carriers price risk differently, and offers may vary widely across carriers. We strive to direct you to a carrier best suited for your specific situation.
You’re unique. Your underwriting should be, too.
Depending upon your coverage needs and preliminary health information, carriers may have faster, streamlined underwriting processes available. Alternatively, it may be advantageous to use a more involved approach to explore offers before committing to one or more carriers. We’ll help determine which approach is right for you.
To view the full array of our services, see What We Do.