Advanced Case Design

Custom tailored insurance designs to fit your clients’ specific needs.

Education

Learn how your peers are growing their life practices in today’s competitive market.

Underwriting

Underwriting expertise to ensure cases are correctly positioned with the right carriers.

Marketing

A consultative hands-on approach to helping you keep stride with an evolving marketplace.

Our success depends on three key factors:

Relationship Management

We cannot begin talking about risk management until we get to know you and your business practices. Similar to a concierge at that 5-star hotel, who cannot recommend a restaurant until he knows your taste. Our first step is in relationship management is discussing your business with you and your current clientele as well as your ideal clientele.

Case Study

We have the advantage of working with advisors all over the country. We work on business succession planning, premium finance cases, estate planning, linked benefits and qualified plan rescue. Our case study sessions allow advisors to think about opportunities inside of their own practice.

Implementation

We are a part of every step in the process. From case design, preparing the application, ordering of records and monitoring underwriting and requirements, we do not get paid until our advisors get paid. We work hand in hand with advisors, administrative assistants and clients to get the file approved and in-place.

Team

Our Mission

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.

How We Do It

EXCLUSIVE INSURANCE BROKERAGE’S SIX-STEPS TO A SUCCESSFUL LIFE CASE

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Underwriting

There are many benefits to choosing us as your underwriting specialists:

  • Access to top carriers with products specifically designed for rated cases and Table shaving programs and guaranteed/simplified issue for uninsurable clients
  • Term issued up to age 80 and permanent up to age 90
  • Aggressive case negotiation with carrier underwriters results in better case placement. With 16 core carriers and access to over 100 leading insurance companies, we are able to secure favorable underwriting results for your clients.
  • TimeSaver™ preliminary inquiry to help you identify the right solution for your impaired risk clients up front.
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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.

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Informal Applications

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.

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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.

Core Carriers

Quote and Submit Business
How would you like to be able to run life quotes, as well as submit life insurance applications for your clients, anytime, anywhere?

Answer just 8 simple questions and let the underwriting process begin immediately.

Contact Us
  • ADDRESS

    5142 Clareton Drive, Suite 230, Agoura Hills, CA 91301

  • PHONE

    (805) 253-1274

  • EMAIL

    info@exclusivebga.com