Disability RMS provides underwriting services for Life and Accidental Death & Dismemberment, short-term disability and long-term disability, on either a traditional or voluntary basis. We also provide individual medical underwriting for these products. Our services include:
- Pricing and Underwriting Assistance
- Case Trend Analysis
- Multi-Product Guidelines
- Segment Analysis
- Industry Assessment Tools
- Performance Measures
- Facultative Pricing Options
Our risk selection philosophy and process are designed with a simple goal in mind: to provide clients with the ability to acquire and retain long-term profitable business. We achieve these results through an experienced staff that focuses on creativity in plan design, appropriate pricing of the risk and strong medical underwriting.
In order to assess the impact to our clients, we review prospective and renewal business by considering many factors:
- Plan Design
- Manual Rates
- Client Company’s Marketing Strategy
- Industry Classification
- Claim Experience
And, through our industry involvement and leadership, we stay at the forefront of claim trends, economic changes and underwriting philosophies. That means we offer innovative solutions while providing competitive, profitable rates.