Intelligent and aggressive underwriting is the single most important factor in dictating the cost of insurance, yet very few insurance professionals truly understand the intricacies of the underwriting process and deliver meaningful differentiation. Contrary to common knowledge, while insurance companies must follow prescribed underwriting guidelines, their underwriters do have flexibility on many decisions. At Krupin Partners, we go far beyond simply submitting paperwork to carriers – we leverage our high volume, experience and personal relationships with senior underwriters to obtain “exceptions” from the carriers, resulting in the most competitive offers possible. This results in lower long term pricing and better overall value for each of our clients period
Furthermore our scale has forced us to become experts in navigating insurance company retention limits and the reinsurance process which differ greatly throughout the industry based on a client’s age, health and net worth. While insurance companies promote the perception that underwriting is a tact-based assessment of risk, the truth is that underwriting is more art than science. Our expertise, combined with having our in-house medical director reviewing each case, results in us obtaining the required insurance amount at the most competitive offers for each client’s unique situation.