Declined insurance coverage , rated with extra premiums or have exclusion in your policy !

wHY DO WE REPRESENT 10 LEADING INSURERS ? All insurance companies are not equal and underwriters differ from one company to another . On one occasion we had to go to 10 insurers to get a policy for a client that had health issues but we managed to get a 1 million policy issued . One would think that a individual would get similar offer from insurers on a specific policy however not so . We have had situations on same client where one company says no way do we want him , second one said we want 300 percent extra premiums while third insurer accepted them on regular standard premium . Having strong underwriters at insurance company is a huge advantage for any insurance professional and also having this type of relationships with numerous insurers is essential . Let me give you a simple example , some insurers are better suited for obtaining coverage on diabetic's while others have no desire for that type of risk . If you have had cancer do not assume you will be rated or worse yet can never get insurers . We have secured coverage for cancer survivors with standard life insurance premiums and at times rated . Never assume !