My experience in the life insurance business started in 1998, specializing in high-risk life insurance with the largest life insurance distributor in America.

In that role, my clients were life insurance agents and financial advisors who used my knowledge and experience to recommend the best life insurance products for their clients.

As a team, we worked on thousands of life insurance applications per year.

I gained invaluable experience negotiating underwriting offers with underwriters, learning about all types of medical conditions and their related underwriting outcomes, and gained experience getting great offers on life insurance policies.

Expertise

My expertise is life insurance underwriting – Understanding your individual situation and using that information to match you with the best life insurance companies based on your needs.

Continuing Education – I continuously improve my knowledge, and have completed hundreds of hours of professional continuing education, including these topics:

Interpreting Medical Reports
A Roadmap for the Underwriting Highway
Impaired Risk for Agents
Underwriting Requirements and Long-Term Care
Business Insurance Concepts
Estate Planning Techniques for Small Business Owners
Life Insurance Strategies for Small Business
Business Valuation
Business Continuation and Consideration – Prudential
Split-Dollar Life Insurance – Lincoln National
Hot Funding Ideas using Split-Dollar – Prudential
Life and Health Insurance Law
Living Trusts and Avoiding Probate
Financial Planning
Fiduciary Responsibility in a Life Settlement Transaction
Individual Retirement Accounts
Health Insurance Financial Planning
Medicare and Medicare Supplements

Underwriting Expertise

I spend a lot of time learning the underwriting guidelines for the companies I work with.

In addition to understanding the basic guidelines for each company, I have direct contact with the underwriting departments for each life insurer, which gives me the ability to quickly obtain underwriting feedback based on your individual circumstances.

I maintain a database of every underwriting offer I’ve ever received. I use this information for every prostate cancer, heart disease, diabetes case, etc. to compare and negotiate your underwriting offer.

The Academy of Life Underwriting (ALU) – The ALU is the organization responsible for training life insurance company underwriters.

I study the underwriting manuals provided by the ALU to ensure I have the knowledge and expertise needed to help you get your best rate.

Underwriting Resources

I have access to and use the best underwriting resources available, including:

High-Risk Underwriting Guidelines
Reinsurance manuals and guidelines – GenRe, MunichRe, Swiss Re, Cologne Re. These are the same manuals and guidelines used by home office underwriters.
Underwriting Estimating Software – XRAE, Spectra, Life Guide, Ascent, CLUE

I’m a member of AHOU – The Association of Home Office Underwriters

Authoritativeness

I’m the author and creator of all content on RiskQuoter.

When I create posts about life insurance topics, I use the following to guide me:

Life Insurance Content Overview
Specific Case Examples
Home Office Product Guidelines
Underwriting Materials
Insights Based on Personal Experience

I’ve been featured in industry articles about underwriting topics.

Transparency

I provide accurate and detailed information in every life insurance post I write.

When I speak with you about your life insurance, I’m going to give you everything you need to make an informed decision about your life insurance.

I let you know exactly what to expect upfront.

I share the underwriting feedback received from each company with you.

I’m happy to share all details with you upfront before you decide who you are going to work with.

There is never any obligation or pressure to use my service.

But to earn your trust and business, I have to be one of the best in the life insurance industry, and I am.

Education

University of New Haven – Bachelor of Science – Accounting

I have life and health insurance licensed in all 50 states and the District of Columbia.

Life Industry Involvement – I’m connected to many aspects of the life insurance business, including:

NAILBA – National Association of Life Brokerage Agencies Technology Committee
Life Insurance Company Producer Panel for a major life insurer
IPipeline – User Research Group for iGo application product, term quote engine, life insurance technology
Licensed and compliant with state requirements
Continuing Education – I stay informed and up to date on topics such as:
- Interpreting Medical Reports
- A Roadmap for the Underwriting Highway
- Impaired Risk for Agents
- Underwriting Requirements and Long-Term Care
- Business Insurance Concepts
- Estate Planning Techniques for Small Business Owners
- Life Insurance Strategies for Small Business
- Business Valuation
- Business Continuation and Consideration – Prudential
- Split-Dollar Life Insurance – Lincoln National
- Hot Funding Ideas using Split-Dollar – Prudential
- Life and Health Insurance Law
- Living Trusts and Avoiding Probate
- Financial Planning
- Fiduciary Responsibility in a Life Settlement Transaction
- Individual Retirement Accounts
- Health Insurance Financial Planning
- Medicare and Medicare Supplements

Final Words

Let me earn your business.

I know that you can choose any insurance agent out there. My track record and relentless approach to helping people find the life insurance they need, no matter the situation, will ensure you get your best rate.

There’s never any pressure or obligation with my service.

I’ll share the information you need to make an informed decision about life insurance and hope we can work together.

– Michael Horbal