We develop Individual, Group, and Blanket policy forms to enhance your current offerings, get you in certain lines of business or create it from scratch. We review competitor’s filing to create a best-in-class product to enable long term success in Accident and Health or a certain market segment.

We develop claim costs for new filings, review your current claim cost, and create actuarial memos to be filed with the individual states. We will also develop manual, experience and blended raters for all the market segments you are targeting.

We review claims data on an overall book of business, market segment, broker, and any other way your company wants to evaluate your claims data to discover trends and reasons for high loss ratios, make your company aware when loss ratios are going bad and develop IBNR and Lag Factors for each market segment. We will provide you with monthly, quarterly, semi-annual, and annual reports.

We will review your current Underwriting Manuals and Tools to uncover any weakness or areas of improvement. If your company does not have one, we will develop all the necessary manuals and tools to improve and assist your current or new staff members. We also can train staff with little prior experience on Accident and Health and how to underwrite Accident and Health insurance products which allows your senior staff members to market and quote their business.

We can assist your claims department in evaluating and determining which Claim TPA is best for your target market segments. Once the agreement is signed, we can work with your claims department to oversee the Claims TPA.

We will issue bound policies on behalf of the Insurance Company.

We will work with agents and producers and P&C Insurance Companies to offer Accident and Life products to enhanced their current offerings.