OUR PROCESS

Our Process – After developing a complete understanding of our client’s goals and objectives, we thoroughly review the products offered by the top rated insurance carriers.  Our analysis includes studying the competitiveness of premiums, financial integrity of the carrier, reliability of policy assumptions, contractual provisions of the policy, and the fairness of their underwriting practice.  Once this phase is completed, great care goes into the placement of the insurance.

Underwriting – We work diligently to make certain we secure the best possible rate class available.  Often times, this is done by obtaining the clients’ medical information up front and having the carriers informally underwrite coverage prior to submitting a formal application.  This allows us to address potential issues and ultimately place coverage with carriers that are willing to take the time to fully understand the medical issues and aggressively underwrite coverage.

Commitment to Service – We continue to build our business by providing excellent service to our clients.  We gladly act as the liaison for any and all matters that may arise between our clients and the insurance company.