THE KEY

Other than policy design, the key factor we can influence in the cost of insurance is the underwriting class. We cannot change a client's date of birth, medical history, tobacco use, driving record, avocations or lifestyle, but through a proprietary process developed in conjunction with ValMark Securities, we can secure the best possible underwriting class offers for each client.

The Underwriting Advocacy program and the Private Underwriting Rating Evaluation process greatly increase the potential for securing favorable underwriting offers. This is a unique, proactive approach that adds an important level of detail, expertise and advocacy to the medical underwriting process.