Insurance Underwriting - Insurance Brokerage


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Insurance underwriters evaluate the risk and exposures of potential clients. They decide how much coverage the client should receive, how much they should pay for it, or whether even to accept the risk and insure them.

insurance quote for your clientOur brokerage spreadsheet quoting system allows you to examine "by underwriting class" all of our top

Insurance underwriting involves measuring risk exposure and determining the amount of premium needed to insure that risk.

companies as they apply to your specific client

The function of the underwriter is to write insurance business that will make the insurance company money, and to limit risks that they feel will create losses.

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Each insurance company has its own underwriting guidelines. The underwriter uses these guidelines to determine whether or not the company should accept the risk.

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Evaluating Risk Evaluating the risk for insurance will depend on the type of coverage to be underwritten.

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When underwriting automobile coverage, for example, the applicant's driving record is critical. For life and health insurance, medical underwriting is used to examine the applicant's health status.

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The underwriters may either decline the risk or may provide a quotation in which the premiums have been loaded or in which various exclusions have been stipulated, which restrict the circumstances under which a claim would be paid.

Insurance brokerage affords the agent an easy way to access all of the forms for all of our companies.

Medical underwriting Medical underwriting is an term referring to the use of medical or health information in the evaluation of an applicant for coverage.

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The underwriting process involves gathering health information about the applicant which will be used to determine whether to offer or deny coverage; and what premium rate should be for the policy. Note that the of medical underwriting may be restricted by law in states. Life insurance companies in support the Medical Information Bureau (MIB) which is a clearinghouse of information on persons who have applied for life insurance with participating companies in the last seven years.

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A Tale Of Two Agents Captive Agent

An agent working exclusively for a single firm. He or she is obliged to submit business only to that firm, or at least give that firm first rights of refusal on the case. Captive agents that are non-established are usually paid on a combination of salary and commissions earned from selling the policy contract. Also, the firm usually provides its captive agents with an allowance for office expenses as well as employee benefits such as pensions, life insurance, and health insurance. The established captive agent is usually paid exclusively on a commission basis. This type of agent will tend to have more in-depth knowledge of that firm's policies, however, he or she will hardly ever be equipped to offer the industries' best price on any particular product offering. Independent Agent Broker Simply said, independent agents are appointed to sell policies from many insurers. The agent is independent from all insurers thus, the independent agent's responsibility is solely focused on evaluating the client's needs and the pricing of the product chosen. While searching for the brokerage market's best place for a client's business, independent agents pay all their own expenses and keep their own records and earn their income from brokerage commissions on the policies they sell.

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