The Best Underwriting Offer? – Let Us Do The Carrier “Vetting” For You
It’s commonplace to see shoppers standing next to their grocery cart using their phone to compare the cost of an item elsewhere. And A.I. has raised the ease of price comparison by generating store-to-store results for a product before you ever leave home. Many e-commerce websites automatically alert buyers to better deals at alternative sites.
In the same manner, we dramatically reduce the time and effort it takes you to find the best life policy for your client in the more complicated life insurance world:
- Informal underwriting – We will coordinate your client’s medical data and any existing carrier exams. After our in-house evaluation the information is sent to those carriers we know to be more amenable to the medical or lifestyle circumstances in each case assuring that each has the appropriate product available to suit the case needs. Based on the results you can proceed with assurance that formal application is being made to the best carrier choice.
- “Quick quotes” – If time is of the essence and there are specific medical concerns (e.g. diabetes; sleep apnea; a history of cancer) or life practice issues (e.g. tobacco, alcohol or drug use; foreign travel; bankruptcy), completion of an appropriate questionnaire enables us to get prompt evaluation to determine carriers most likely to make the best offer.
Save yourself some steps and make the carrier selection process for your client more effective and economical. With a minimum of effort on your part, we will find the insurer most sympathetic to your client’s circumstances and needs.
Contact us to discuss the opportunities for your case at hand.
For What It’s Worth: It is estimated that the average household could save $1,000-5,000 each year by better comparing prices. It is reported that many modern e-commerce sites use algorithmic dynamic pricing using personal data to adjust prices based on the site-user’s perceived willingness to pay. Regularly clearing cookies and using comparison trackers could prevent being overcharged.