Are all insurance companies the same when assessing risk ?
We represent 10 leading insurers and often we work with a number of them at the same time to secure optimal premium for clients that have a impaired risk . This can be done effectively on certain size of files however much more difficult on very large face value contracts . Insurers have a number of times give us different offers on the same applicant eg. Insurer A : do not want to insure the person , Insurer B: will insure with a 100 percent EXTRA premium , Insurer C : standard offer with no extra premium . We work with reinsurance specialist to present each client to the various insurers that we work with . Underwriting your application is not a exact sience so insurers sometimes assess risk in a different way based on their own criteria . Working with a independent advisor like TK Financial Group gives you the best opportunity to obtain a offer of insurance at most compeatative rate .