We believe our philosophical approach to underwriting business is a distinguishing factor, and it enables us to have an industry leading informal-to-formal ratio.
Beyond having an in-depth understanding of our carriers, this is where our belief in proactive thought really makes a difference.
- When you decide to place an informal case with Universal, this is what you can expect:
- A talented, focused underwriting team dedicated to informal business
- Quick turn-around: Goal is 3-5 days to medically summarize and submit a case
- A stringent initial assessment on cases, we call it “Double-Scrubbing”
- A fully secured, paperless informal department that allows us to manage large volumes of personal data efficiently
- Real-time online case management providing access to all offers in one convenient location
- Efficiency: All business is processed within 24hours of receiving a complete application
We are privileged to have created a team of respected experts with decades of combined experience in the underwriting marketplace. Bringing true expertise in handling complex medical and financial risks – especially in the affluent, high-net worth market – Universal’s underwriting department has first hand knowledge of all aspects of the life insurance underwriting process and maintains close working relationships with medical directors and senior underwriters at the carriers. Our team is comprised of experts in all facets of the process and possesses a depth of knowledge in medical and mortality modeling unsurpassed by our competitors. Steeping our negotiations in fact allows Universal to maintain resounding carrier respect while achieving the best results for our clients. With professional and experienced true underwriting experts, as well as multiple internal informal and formal staff, we pride ourselves on providing an efficient underwriting process.