When cases are difficult to place, or even “uninsurable”, often those can be rated as PREFERRED for some of our carriers. Every company has certain preferred business they like to issue. Each agent or advisor has areas they prefer and specialize in as well.
At the Guardian Group, some of our most enjoyable work is when another Agent or Advisor finds a family that has a health history, past, or occupation that makes it difficult for them to place. When a client or prospect gets declined Life coverage, or is table rated higher than their budget will allow, those times prove to be great opportunities for us to be introduced as a personal resource for your office.
We have agents and resources that are a part of our team across the country and can write ANYONE, regardless of health or past between the ages of two weeks old and 85. A great amount of cases can be handled simply over the phone or electronically.
In our experience a smaller case size, or difficult underwriting can take a great amount of time away from your preferred business. When we are introduced, our team is honored to have the opportunity and will focus solely on helping your client and sending them back with a smile. We will not quote or rewrite any other business, and always “stay in our lane”.
Even if you think you have an impossible case, give us an opportunity to earn your trust and let us have an attempt at serving you and your families.