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This month, let’s recap the thought process that you – the agent or broker – have undertaken while gathering information for the trial application to make sure all areas have been covered. ...

This month, we cover question number 10: What is the importance of this client to you? And related to that question is this: Does this case stand alone, or is it related to other current or future business? ...

Here is why these questions are important. According to statistics recently published by the Centers for Disease Control, accidents are the fifth leading cause of death in the U.S., with over 120,000 accidental deaths in 2006. ...

You may be wondering why underwriters bother to consider this question. Isn’t it really up to the client and the agent to decide upon the appropriate amount of coverage? ...

In the Laser Underwriting Approach, the preliminary application is sent to the brokerage agency where the staff underwriter reviews your case. ...

Last time, we covered why it is not a good idea to send eight or 10 trial applications out at one time. Doing so saturates the reinsurance market and results in activity codes at the Medical Information Bureau...

The staff underwriter now knows you are in competition, as we covered on the last article, but now the question becomes: Do you have related applications with other companies? ...

The Laser Underwriting approach will help with speed and accuracy for a quote on a higher risk case because the staff underwriter will keep the possibility of a competing company in mind while assessing the risk. ...

Note: This is the fourth article in a series of 12 discussing the benefits of using the Laser Underwriting Approach, which utilizes an agency-based staff underwriter. Each story in the series addresses one of the 10...

Note: This is the third article in a series of 12 discussing the benefits of using the Laser Underwriting Approach, which utilizes an agency-based staff underwriter. Each story in the series addresses one of the 10...