Services: Underwriting

We believe in a collaborative approach to underwriting. Understanding your needs, markets, culture and values, will help us make sound underwriting decisions that will 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.

Our Underwriting 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 managers average 18 years of experience in the group disability field, and our 7 junior and senior underwriters average 16 years of experience. Our entire team is available to complement your existing pool of knowledge.

CDS offers a wide range of underwriting services and support to meet your underwriting needs:

Support for Your Product Offering

  • STD and LTD
  • Pre-Sale quotes / Proposals
  • Small, medium, and large case underwriting
  • Medical underwriting
  • Voluntary plans
  • Core/Buy-up plans
  • Multi-Product guidelines

Complete Turnkey Support

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

Pricing

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

Renewals

  • Implement a comprehensive and effective renewal process to help ensure that your disability business remains profitable