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Underwriting Tougher Cases Not As Challenging As You May Think

Posted: May 27, 2017 by Staff Writer

You may not realize it, but the Word & Brown General Agency has its own Group Health Underwriters who can help you with some of your unusual or tougher-to-write cases and groups.

While some brokers may be challenged by where to place an owner-only group, one or two life group, a client with 1099 employees, or any of a variety of other Medical cases, Word & Brown is committed to working with you to match your group with the right underwriting carrier.

We can help you with all sorts of out-of-the-ordinary cases, including:

  • Owner-only groups
  • One and two life groups
  • Carve-outs (management, location, etc.)
  • 1099 employee groups
  • Groups coming off a Professional Employer Organization (PEO)
  • Start-up companies (groups with little or no payroll history)
  • Husband and Wife groups
  • Groups with very low participation
  • Groups that want coverage in Mexico
  • Groups that want composite rates
  • Self-funded groups

Word & Brown works with a variety of local, regional, and national carriers offering a diverse range of coverage, including Medical, Ancillary (Dental, Vision, Disability), and more.

Our roster of California Medical and Ancillary carriers and administrators includes Aetna, Aflac, Ameritas, Anthem Blue Cross, BEST Life and Health, Blue Shield of California, CalCPA, California Dental Network, Camden, CHOICE Administrators (CaliforniaChoice and Choice Builder), Chinese Community Health Plan, Cigna, Colonial Life, Delta Dental, Health Net, IMG, Kaiser Permanente, MediExcel, MetLife, Morgan White Group, Nippon Life Benefits, Principal Financial Group, Reliance Standard, Seniors Choice, Sharp Health Plan, SIMNSA, SmileSaver, UnitedHealthcare, VPA, VSP, and Western Health Advantage.

Our Nevada coverage partners include Aetna, Aflac, Ameritas, Anthem Blue Cross Blue Shield, BEST Life and Health, Camden, Cigna, Colonial Life, Companion Life, Delta Dental, IMG, MetLife, Morgan White Group, Principal Financial Group, Prominence Health Plan, Reliance Standard, SecureCare Dental, Seniors Choice, USA Business Choice, and VSP.

If you are not sure what plan, carrier, or administrator might be the best match for your client’s group, talk with your Word & Brown representative.

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