An overwhelming amount of our clients either have had some type of life-changing illness occur to them, or to someone in their direct family. We have underwriters on staff that will confidentially review each file and determine the best company for that specific client.
Because we're a completely independent firm, we have no incentive to place business with one company. We have access to any company available. Now, some companies are better with certain illnesses or diseases than others. We scour the market to find the company that's best for that client's specific needs. Underwriting determines price. Our clients would say our underwriting has drastically enhanced the rates of return on the products that they own.