VIP offers boutique field underwriting designed to add a level of expertise to your insurance
selling process, in our ability to underwrite your cases. Rather than shop to numerous carriers,
VIP will pre-underwrite your case and use our experience to determine the best fit for your client.
This process has created a level of trust with our carrier's that has helped us have an edge on
winning cases due to our high placement ratio. Some of the advantages that VIP offers in
underwriting are-

1. A full-time underwriter with over 20 years of experience as a former chief underwriter
   for major carriers of both life and long term care insurance as well as brokerage experience
   
2. Experienced case managers who have worked on both the carrier and brokerage side of
   life insurance and continue to take insurance and financial planning classes and have
   FLMI designations
   
3. Access to reinsurance manuals
   
4. Ability to order prescription data checks
   
5. Dedicated underwriters on the carrier side
   
6. Spanish speaking case managers and ability to translate medical records from Spanish to
   English
   
7. Ability to give direction with your "I've gotta guy……" cases
   
8. Experience in handling your high profile, wealthy clients with our 'VIP' treatment to the
   exam process.

Although we will treat all of your clients with the utmost respect and to the best of our ability,
we have found we are particularly successful with your very high profile, high face amount clients
in the 'VIP' treatment we provide them throughout the application and examination process.
We have been able to win the big cases with our underwriting turning many declinations into
issues, even at Standard rates. We also will be an advocate for your client when an offer does
not come back exactly as planned and offer suggestions on how to get it placed. VIP looks
forward to showing you the difference our underwriting can make.