Underwriting
Santa Barbara
You Will Benefit From Us Negotiating On Your Behalf
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Please note: coverage cannot be bound or altered online. A service representative will need to contact you to finalize your request.
What You Need to Know About Underwriting
We have an aggressive approach to underwriting. By combining our underwriting department’s experience with our producers’ knowledge, strong carrier relationships, and full utilization of carrier data, you will receive the optimal solution available for your company. You will also get rate relief as we leverage opportunities in the renewal formula.
Mid-Sized Employer
- Preparation of underwriting packets
- Full market renewal analysis
- Comprehensive report outlining available options
- Comprehensive electronic application and applicable underwriting
- Screening of health applications for accuracy
Large Employer (Experience Rated)
- Present and analyze semi-annual claims utilization report
- Quarterly experience tracking
- Analysis of plan design changes
- Aggressively negotiate renewal
- Speak the language of an underwriter
- Coordinate data with wellness initiatives
- Self-funded evaluation (appropriate ASO fee, stop loss analysis, reserve estimates)