We have an A+ carrier will give credit where credit is due – applying health and lifestyle credits to provide the best possible offer.

One of  our carriers rewards clients for their good health by granting credits against their health impairment ratings.

One of our carriers bases pricing of their table rated cases off of ‘Standard Plus’ rates, rather than ‘Standard’ rates like most of the others.

Did you know that Non-Smoker rate classes are available on marijuana use?

Bring us your difficult cases and let us help you turn them into policies for your clients and commissions for you.

When it comes to underwriting, one of our A+ carriers follows a responsibly aggressive approach and looks closely at controlled impairments.

Our Underwriting Team is here to provide guidance and direction – the full story of each client’s health history has a shot at a happy ending.

The following case studies show how the identification and application of underwriting credits can significantly reduce premiums.

We can help you win financial security for your clients – give us an opportunity to take a fresh look at your recently declined cases.