Underwriting Guidelines

The Brown, Brown & Gomberg/CPS team’s experience and carrier contacts assure you the best offer.  The below links will give you instant access to specific carrier underwriting information so you can give your client a general quote without wasting valuable time.  For more in-depth medical issues, we recommend you contact us directly so we can call an expert at the carrier to get a better idea as to where the client may be approved.  For more detailed issues we recommend you visit our Impaired Risk page and have the appropriate questionnaire completed so we can better underwrite the case.  This experience will save time and help you better manage client expectations as to the cost of coverage they need.
                                                           
Table Shave

Several carriers we work with offer table shave or underwriting credit programs to clients under age 70 (some through age 75) that can move a case from substandard to standard.  We take a consumer centric view regarding underwriting and assume that every applicant is unique.  Please contact us to see if your clients qualify for these very competitive programs.