Serving underwriters takes talent and experience. That's why we have more than 12 former chief underwriters on staff and more than 90 full time underwriters. Ready to meet your needs.

Underwriting & Insurance Services

Fully Underwritten

Delivering underwriting services takes talent.  That’s why we have 12 former Chief Underwriters on staff, more than 90 full-time underwriters and four medical directors.  As a result, we have unmatched capabilities for handling traditional full and large case underwriting. We can complete a full underwriting assessment of the application from submission to final decision.

Simplified Underwriting

A simplified product may be key to the middle market.  But while speed to issue is nice, limited underwriting information introduces greater risk. We handle nearly 100,000 simplified applications per year.  Our experience with product development and underwriting gives you immediate market entry and the opportunity to leverage our market position as your competitive advantage.   

Structured Settlements/Sub-Standard SPIA/Life Expectancies

Structured settlements are the underwriting of medically impaired lives for the purchase of an annuity to fund the settlement. Our diverse and talented team has the track record of innovation and dedication needed to help you succeed in this competitive market.  We deliver professional, comprehensive and efficient medical underwriting summaries of Life Settlement cases.  Our Life Settlement underwriters are highly technically trained underwriters-- with more than 100 years of combined underwriting experience.   Our staff has completed either pre-medical or analytical curricula, taken extensive industry related courses, and continue to keep abreast of the latest industry changes and medical technologies to provide you with the most accurate and equitably conservative assessment for life expectancy.   Our underwriting staff is supported by four medical directors who are consulted regularly to insure accurate and adequate assessment of medical data.  Our Chief Medical Director has over 35 years of insurance medicine underwriting experience and a long clinical experience.

POS (Point-of-Sale) Services

APS (Attending Physician Statements)

Our medical record collection services are an extension of your staff, without the expense. Timely acquisition of medical records for an applicant is a critical part of the insurance underwriting process.  We obtain directly from physicians, clinics or hospitals. Our APS retrieval goal is to obtain complete and accurate medical records in an average of eight working days.

PIL (Physician Information Line)

We developed the Physicians Information Line (PIL) as a unique alternative to the APS process.  Though not a replacement for a traditional APS, PIL can be used very effectively in 30% - 40% of cases where an APS is requested for a routine situation, or the clarification of a specific impairment.  The PIL program is an abbreviated APS that allows the underwriter to zero in on specific areas for clarification. Our staff of Registered Nurses and medically trained employees skilled in underwriting principles call the physician’s office and obtain requested information directly, resulting in reduced cost and cycle time.

Claims Review

We deliver medical claims review as an ongoing service or on a temporary basis.  Our assistance may be helpful when a specific need arises, or when your staff members need assistance with high volumes. After submitting the claim, we will secure all needed medical evidence and conduct interviews during the evaluation process. Our report includes the exact reason for either paying the claim or suggesting the claim is contested. You make their final decision.

Audit Services

Insurance & Reinsurance Audits

Insurance carriers must employ a systematic approach to meet evolving industry and regulatory standards. We provide you with practical solutions to help achieve your business goals while safeguarding your company’s future. 

Our skilled staff conducts underwriting audits of all programs to monitor and ensure adherence to underwriting discipline, including pricing and selection standards and strategic objectives. We review the results and give you a summarized report. In some instances, we may deal directly with companies in your reinsurance pool on behalf of your organization.  

Agent Concern Program

The purpose of underwriting is to determine risk and issue coverage within appropriate rate classes where possible.  Anti-selection on the part of the client or agent is, and always will be, an area of concern. Our agent control list is a compilation of information collected through the underwriting process of cases identified with the potential for anti-selection. These cases are referred to the Underwriting and Mortality Review department for classification, review and follow up in order to identify areas of concern, and acts as an alert for both underwriting and marketing.   

Using an action list, referrals are made directly from the underwriters, administration, support staffs and vendors, to allow cases to be quickly identified and placed under closer review and tracking prior to final underwriting action. The agent concern list is maintained daily and reported to your management team on a quarterly basis.

MIB Plan F Services

MIB Plan F is a service provide by MIB as an option for a participating company to obtain new MIB codes submitted by other members during the two-year contestable period. This service can alert the insurance company to fraud or omission of information from the application.    Working as a branch office of your company, this information can be reviewed and further investigated to develop information to contest or rescind policies where material information was eliminated from the original underwriting process.  This review also provides additional insight about your potential exposure in impairment, product knowledge, or medical requirements lists. Although the MIB Plan F service will not identify all cases of misrepresentation, it will provide an effective alert system for misrepresentation and fraud risk.