Underwriting

We believe in a collaborative approach to underwriting. Understanding your needs, markets, culture and values helps us to make sound underwriting decisions that enhance your ability to acquire and retain profitable business. We offer our customers a full range of underwriting services that are custom designed to meet your specific risk selection and management needs.

Service Standards

Our underwriters perform their duties with the utmost of integrity to ensure they are providing the highest quality of customer service. Our Underwriting Service Standards Guidelines include:

  • STD/LTD pre-sales
  • Renewals
  • Proposed plan changes
  • Sold cases
  • Telephone communications
  • Internal quality audits

Our Team

The strength and ultimately the results of any underwriting team are directly tied to the breadth and depth of its collective knowledge base. Our underwriting team knows the industry and has experience quoting all facets of group disability coverages. They work with you to produce quotes that are competitive and fit the needs of your policyholders.

Underwriting Support

  • Quote STD, LTD, voluntary plans and core buy-up plans
  • Produce pre-sale quotes and proposals
  • Provide small, medium and large case underwriting
  • Conduct medical underwriting
  • Develop multi-product guidelines
  • Provide facultative uderwriting support to
    clients who do their own underwriting

Full Service Support

  • Analyze existing blocks of business to grow new business through geographical and industry concentrations, distribution networks and workflows
  • Breakdown risk and analyze frequency and severity
  • Help you develop the most efficient proposal, sold case and renewal workflows
  • Maximize the quote/proposal close ratios and make most efficient use of the resources needed to support the business
  • Monitor, analyze and understand emerging market trends in your primary market or industry
  • Consultative and collaborative negotiations among all lines of business
  • Provide your sales force with the data needed to offer solutions for any disability plan

Pricing

  • Develop pricing based on our understanding of the underlying risks, identifying trends and patterns
  • Provide access to a current and competitively proven pricing methodology

Growth Strategies - New Sales

Together, with our Client Support Services Team, we will develop a strategy that helps you to achieve your growth and sales goals.

We believe the keys to successfully developing and implementing your growth strategy are:

  • Building and strengthening our partnership with you
  • Providing distribution support to your sales staff
  • Sharing our disability knowledge and expertise with you and your sales teams

Growth Strategies - Renewals

We will implement a comprehensive and effective renewal strategy to help your disability business remain profitable. Why a renewal strategy? Persistency. The renewal strategy we implement will:

  • Improve your profitability
  • Maintain the growth of an inforce block of your business
  • Spread your expenses across a larger base