American Business and Underwriting Advocacy

With increasingly complex insurance cases, our extensive knowledge of financial and medical underwriting is critical in ensuring your client gets the best underwriting offer possible.  We specialize in jumbo and impaired risk cases, using our years of underwriting experience and carrier relationships to proactively position the insured in the most favorable light.  We have a proven record of negotiating the best underwriting offers for clients.
 
Because we believe the one last negotiable piece of life insurance is underwriting, we provide a confidential review of your medical records prior to formally applying for life insurance.  By doing this, we can assess the underwriting risk and address any concerns prior to submitting the case to a carrier, allowing us to determine which carriers will have the most favorable evaluation of the application.

Doug Cashman started underwriting more than 25 years working as a life insurance underwriter for both insurance carriers and brokerage groups. Doug stays active in the local and national underwriting community and has presented multiple times at the National AHOU meetings and the MDRT Top of the Table.  
 
He has also been active on the AHOU planning committee helping to build the relationships between home office and brokerage underwriters.  Doug is able to use his underwriting knowledge and skills he has developed to help place challenging cases.

This blog is a place were Doug will comment on what he is seeing in the insurance industry along with a variety of medical impairments, avocations, travel and other topics that you need to be aware of to help get your cases placed.