Beyond the Phone Interview

IBU provides a turn-key solution for BGA's who need case summaries for informal applications.

In an industry inundated with “Informals”, certain life insurance carriers are now requiring case summaries for all informal submissions. The new requirement is being imposed in order for Home Office Underwriting departments to maintain time-serve standards.

IBU, Inc. is one of the leading underwriting service providers of APS/Case summaries to BGA's and Home Office underwriting departments. To keep up with increasing demand, we’re adding underwriting staff to our team to help BGA's and producers in meeting the new case summary requirement.

The IBU APS/Case Summary Service for BGA’s and producers is designed to meet the specific needs of the field force. Our experienced underwriters and web-based technologies create a seamless, paperless system for securely transferring medical records. The case summaries highlight all factors pertinent to risk selection with the objective to present the case in the most favorable light to the home office underwriter.

In addition to a main summary, a complete Brokers Report also is provided. This is a blunt, honest assessment of the case containing a ballpark rating. If the case is likely a decline it will be noted in the Brokers Report only and not in the main summary. It also states the action needed to get the case placed as quickly as possible. This report is for the “producers eyes only,” and should not be forwarded to the home office.

Pricing is very competitive. There are NO set up costs or minimum usage requirements. With IBU’s APS/Case Summary Service, BGAs and insurance producers can access and pay for exactly the amount of underwriting expertise they need, without having to hire an underwriter!