AgencyONE’s Underwriting Department includes Partner & Chief Medical Underwriter, Dennis Bartos, PA; Director of Underwriting, Julie Melendez; Underwriter, Lisa Harpeneau, RN, BSN; and Consulting Medical Director, Robert Frank, MD. This team has expertise and experience in managing insurance capacity which has resulted in the successful placement of billions of dollars of life insurance for the benefit of our AgencyONE 100 advisors’ clients. They are industry leaders that approach each case with specialized handling, consistently delivering the most competitive underwriting offers available. AgencyONE’s medical underwriting department will clarify potential issues up front, discuss the perception of risk that a life insurance carrier will have about your client and assist in determining how best to prepare your client for the insurance exam and financial underwriting process. AgencyONE matches the insurance solution to the carriers and then seeks to negotiate the most advantageous offers for the client.
Our underwriting services include:
- Preliminary discussions to establish the goals and objectives of your clients;
- Our proprietary informal application;
- Attending Physician Statement retrieval;
- Cover letter preparation;
- Informal submissions;
- Underwriting “Hot Line” for AgencyONE 100 Advisors;
- Negotiations and underwriting advocacy with insurance carriers;
- Preparing your clients for medical underwriting exams.