Stealing Second Base Is Worth the Risk, Sometimes | Insurance Underwriting

Stealing Second Base Is Worth the Risk, Sometimes

An analogy between stealing second base and insurance underwriting. This article was featured on SportsEpreneur.com. You can find it here: “Stealing Second Base Is Worth the Risk, Sometimes“.   In baseball, a sport I have both played and coached, getting a runner from first to second is critical. Once they get to second, their chance of scoring goes way…

How to Write a Helpful Life Insurance Cover Letter | Voelker Underwriting

How to Write a Helpful Life Insurance Cover Letter

I am sure underwriters ask you for cover letters…and cover letters, and more cover letters. I was once at an underwriting conference with 20 or so carriers, and the individual carrier underwriters kept talking about cover letters. But all that talk doesn’t necessarily tell you how to write a good cover letter. When I was…

Permanent Insurance vs Term Insurance Underwriting | Voelker Underwriting

Permanent Insurance vs Term Insurance Underwriting

Is there a difference when underwriting permanent insurance vs term insurance? I often get asked if there is a difference between permanent insurance underwriting and term insurance underwriting. The answer to that is No, and Yes. If you are asking if there are two different underwriting manuals, one for permanent and one for term, the…

Insurance Underwriters Make Fair Deals | Umpire Try to be Fair Too

Insurance Underwriters Make Fair Deals

Insurance underwriters are fair—or at least they aim to be, and they usually succeed. I know it doesn’t always seem that way, but it’s true. In life, things pull in two directions: Up vs. Down Hot vs. Cold Ketchup vs. No Ketchup Okay, maybe that last one is a stretch, but you get the point.…

Brokerage Underwriters

Brokerage Underwriters

Brokers help clients decide what insurance to buy. Underwriters help insurance carriers decide which people to insure at what rates. While the two roles may sound like opposites, a brokerage underwriter—an experienced underwriter who works for a brokerage—is a major asset. An experienced underwriter will likely have worked for, and been trained by, multiple carriers.…