Custom tailored insurance designs to fit your clients’ specific needs.
Our success depends on three key factors:
Exclusive Insurance Brokerage is a full service, boutique life insurance general agency. We partner with financial professionals to grow their business by connecting them to a variety of carriers, products, and services to efficiently incorporate life insurance to their clients’ financial plans. By concentrating our efforts on life insurance distribution, we are uniquely positioned to constantly monitor trends in the life insurance industry for the benefit of the client.
EXCLUSIVE INSURANCE BROKERAGE’S SIX-STEPS TO A SUCCESSFUL LIFE CASE
There are many benefits to choosing us as your underwriting specialists:
Quick Quoting System
With our access to two in house underwriters with over 40 years of experience in the industry and relationships with all our life insurance carriers we are able to provide quick turnaround time in underwriting on basic client impairments. When provided with the impairments that clients have, we will be able to preliminarily quote all carriers to see what they would look like in underwriting on a formal application for the client. This process does not involve any medical records that would be obtained but only basic information obtained from Field Underwriting by the agent. This process allows us to provide the best direction in choice of carrier on a specific case for the client.
The informal process allows us to set up an exam and order a client’s medical records and shop the entire market to find the most aggressive carrier and the best possible underwriting ratings possible for a client before ever taking a formal application. The informal underwriting process is usually reserved for cases over $10,000 in target premium – exceptions can be made in special circumstances. The Exclusive Insurance Brokerage branded HIPAA is the only item that needs to be filled out initially by the client to start the process – saving much time on applications up front and to avoid the movement from carrier to carrier. This process, though lengthy at the beginning of a case, ensures the best possible underwriting decision and life insurance policy for the client.
Our Niche: Ages 60 and Up
Over the years, we have found that our ability to underwrite older age clientele, Ages 60 and over, has helped advisors get life insurance for client’s that they didn’t think possibly with other outlets. The experience that is brought to the table by our in-house underwriters is second to none. Their knowledge of all underwriting guides, regardless of carrier, provides us the ability to negotiate with carriers for the best possible offers. The use of table shave programs and carrier crediting programs have moved previously tough to underwrite cases from other BGA’s to Standard or better risk class with Exclusive.