With over 58 years of underwriting experience, our Underwriting & Risk Assessment Team is equipped to handle your most difficult cases with our Underwriters and Medical Doctor on staff, our expert Marketing Assistants and our carrier relationships.  Our Team can provide you with consultative advice and the best solutions for your impaired risk business. There are three tiers of service we provide for shopping impaired risk cases.

HOW TO SUBMIT NEW BUSINESS

Field Underwriting

Do you need some help getting started?  Here are some basic health questions and financial guidelines for your use.  These forms are designed for generally healthy clients. 

Download the Life Insurance Pre-Qualifying Questionnaire here

Download the Financial Underwriting General Guidelines here

If your client(s) answer yes to any of the pre-qualifying questions, please use the tools below and call our team at (800)876-3950 #3

XRAE, the First Line of Defense!

If you are a first time user to XRAE, you will need to be set up.  It only takes a few minutes, please call Donna Hallmark at (205)268-3979 or Brooks Williams at (205)268-3941.

XRAE allows you to evaluate a client's medical conditions against the published guidance, published best case scenarios and, in some cases, unpublished underwriting rules of every carrier on the XRAE platform.  It also gives you the ability to forward a client's information to one or more carriers for a quick tentative health rating based on the information you provide.  The typical response time from the carriers is 24-48 hours.  Be sure to check out the questionnaires.

♦ XRAE Questionnaires
♦ Click Here for XRAE training!

INFORMAL INQUIRIES

For cases with an annual premium of $5,000 to $15,000 our Underwriter will review the proposed insured’s records and prepare a very detailed Underwriting summary that provides all the information needed to make a tentative offer.  This summary is then sent to our carriers. You will receive an e-mail listing all tentative offers along with suggestions of which carrier might best fit your client's needs.  The normal turn-around time, once all information is received, is 7 to 10 days.

Cases with an annual premium over $15,000 are treated with a Concierge level of service and some extra “TLC” Our Underwriter will review the medical records and determine which carriers will make the most competitive offers.  The actual medical records are then sent to the carriers for the best offer. 

Click here for required Informal Application and HIPAA Form.*

*This is an interactive form that can be filled out on your computer and then printed out and signed to be faxed in.

ISSUED OTHER THAN APPLIED FOR

Got a case that didn't go the way you were expecting?  For cases that are $1,500 in submiitted annual premium and above, your case is eligible to be shopped to other insurance carriers if the case was rated or declined.  Our impaired risk team will assess the reason for the rating or decline and work with you to address the underwriting issues and determine potential alternative carriers with whom you may want to re-submit the case.  Please note that if you have qualified for Elite Producer status, this $1,500 premium minimum will be waived, so we encourage you to achieve Elite Producer status!