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Disclosure – Honesty is the best policy

We recently had a client come to us for Private Underwriting. For those that are unfamiliar, this is where clients use our own underwriting team to collect everything an insurance company would collect to assess risk. The difference being that we do it independent of the insurance carriers so we can ensure accuracy, context and[…]

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Insurance Underwriting – “On the Fence”

As many of you know, 2016 is a big year for life insurance. Tax rules are changing at the end of the year and anything issued before then is grandfathered under the current, more favourable rules. We continue to see an increasing number of clients with odd combinations of health issues through our Private Underwriting[…]

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Underwriting: Art or science?

Underwriting is the most important aspect of the life insurance procurement process – and the least understood by consumers. The insurance industry promotes the perception that underwriting is a fact-based assessment of risk. However, closer examination reveals that life underwriting is more an art, than a science. Anatomy of a Decision Life insurance underwriters base[…]

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Lower insurance costs with better rates

For clients considering life, critical illness or disability insurance, rated insurance policies can significantly increase the cost of insurance. This, in turn, can negatively impact the overall financial viability of the insurance concept. The savings by reducing the amount of any extra premiums can be huge – especially for older clients seeking larger amounts of[…]