Managing Underwriting, Accurate Quotes = Happy Clients!
|
Preliminary Ratings
When you provide us with details on your prospects and clients, we shop your case with underwriters at our top carriers. We have great success with preliminary ratings using this type of "informal" "quick quote" process. Of course tentative ratings are only as good as the information the client provides you with and the exam, labs and any medical records will impact the final offer. But we can get a great start and we generally have enough feedback in 24 hours to provide quotes. If you wish to provide medical records and have an agency HIPPA Form signed we can even have one of our underwriters on retainer review detailed medical history and provide a written "recap" that we can send out to our carriers. Turn around time varies depending on work flow and APS size. Rate Adjustment/Table Shave Programs
When it looks like your client is going to be rated up 2 to 4 tables we have several carriers that have programs in place to offer STANDARD Rates to many of these folks. |
We realize that sometimes you just won't know what to ask or how to handle some of your prospects conditions!
Part of the sales process is knowing that we don't always have the answers but can get them! When you run into the situation where you just need to know what to ask, visit our website or give us a call for an impairment form. It's not always Medical, sometimes people participate in "hazardous" sports or hobbies or even fly planes! That's okay, we can help you figure it out! Click for questionnaires for your case and gather the info most commonly needed for just about any medical impairment or avocation. Provide us with the details and let us show you which carrier works best for your client. Carrier rules differ by Product, Face Amount, Age and other factors. Don't worry, we know the rules and will determine for you if your clients qualify! |