Risk Assessment

Risk Assessment is one of the most important factors in not only life insurance, but disability and long term care insurance.  While we can accomodate your healthy clients and have the best products and resources to do that, where we really shine is in our ability to classify your less than perfectly healthy clients and get them to the right carrier at the right risk class the first time.

We all know that sometimes our clients can underestimate a health issue that their doctor has assured them is "nothing" or "normal".  But that isn't necessarily how insurance carriers look at the same issue.  To further complicate this, it depends on what type of product you are trying to provide as to how a particular health risk might affect underwriting.  With our own in house underwriter and direct relationships with our insurance carrier partners, we have the ability to pre-underwrite your case so that both you and your client can know what to expect.  While there isn't much anyone can do if something is not disclosed and is a surprise during underwriting, if enough information is provided, surprises don't need to rule the day.