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Over the years, Oliver Financial has developed very strong relationships with International Insurance Carriers and various specialists in the industry. We have gained extensive knowledge in underwriting large and difficult life insurance cases and have acquired the expertise needed to access a variety of services and programs unparalleled in the industry.
In addition, as a large number of our clients tend to be seniors with age-related medical conditions, we have gained valuable experience placing policies related to this age group. As such, we have become industry leaders in our ability to obtain the best possible offers for these clients.
Through our subsidiary company, Underwriting Experts, we are now able to make these products and services available to the Canadian market. The following is a brief summary of how we can assist you with your clients:
- Ability to obtain a positive insurance offer or lower ratings for clients who may have been declined or offered unacceptable sub-standard premiums.
- Ability to renegotiate a specific underwriting offer with a particular insurance companies as we have, in some cases an internal source of influence or simply because of our high premium volume or with our partnership with a top producing MGA or Broker.
- Ability to get standard rates for:
- Clients who regularly travel out of the country, (including
destinations deemed to be dangerous or undesirable
- Diabetics
- Clients who suffer from Sleep apnea
- Obesity, (including those who have had surgical treatment)
- Coronary Artery Disease
- Ability to get non-smoker rates for clients who are cigar or pipe smokers, (even if the urine test reveals the presence of nicotine).
- Access to various automatic Table Shaving programs that essentially turn a sub-standard premium rating offer of up to 200% into a cheaper, standard premium.
- Access to Higher Binding Authorities, (offers cannot be downgraded or overturned by reinsurance for coverage amounts between $20-$55 million)
- Access to higher "Jumbo Coverage" limits, (eliminating financial capacity issues to $65 million)
- Access to less conservative underwriting criteria for older applicants, (cholesterol levels, blood pressure, body mass index)
- Better offers for older age clients with prostate or breast cancer.
- For clients over age 65, we can consistently find alternative highly rated International carriers willing to offer premiums at a 10% to 30% discount to Canadian rates.
- Access to a variety of products unavailable in Canada, (Term Insurance with a 100% ROP after 10 or 20 years)
- Access to higher compensation due to volume limits that exceed what other agencies would receive, (resulting in a higher payout to the sourcing agent)
This is merely a small sampling of the benefits of working with Underwriting Experts and Oliver Financial. We also have numerous high-end insurance packages and strategies which have enabled us to receive many referrals from satisfied agents and customers alike.
 Click here for the Underwriting Experts color brochure.
Explore these and other great products we have to offer. Contact us, now!
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No one plan fits all... We underwrite difficult cases, based upon the unique situation and needs.
Let Underwriting Experts create a plan that fits... contact us, today!
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