We have, on site underwriting by Steve Oleksy.  SteveO has established himself as one of the premier impaired risk underwriters in the country with over 25 years experience. He has established communications privileges with most of the  head underwriters and Doctors in all the companies we represent.  This is very unusual for any type of agency. His job is to promote the best offer available for our clients.

We generally proceed by having the client complete one or more of the forms in this site or the free SubSoft program available from us, related to their problem(s).  

We obtain any test results and present them to the underwriter who will then give us a preliminary offer.  After all the preliminary work is completed, a formal application is made to the selected company and all of the necessary formal requirements are obtained.

This save time and money as well as your clients patience with you helping us with a fast policy.