Completely Objective. DVFG is not captive with any particular carrier. Instead, we represent the finest carriers and best products the market has to offer. This gives us a wide array of services coupled with the freedom to be objective in every facet of our recommendations.
Our due diligence process instills confidence that carrier obligations will be met and your clients needs are met. We research ratings, product features, as well as the commissions on an ongoing basis. We consistently evaluate our carrier portfolio for the most competitive, cost effective products.
Masters of the Art of Underwriting. Medical underwriting is an art that can be mastered with experience, determination, and technological advancement. There is both a rhyme and a reason for each carrier we recommend on your cases. Our new business staff has over 55 combined years of underwriting experience. We search the market for the carrier that works best with your client’s specific medical history. Our pre-underwriting process streamlines your submissions so they are acted upon quickly. In addition, we have taken the time to develop a string rapport with the underwriters in each of the 30 plus carriers we represent. This often gives us negotiating leverage that often results in efficiently placing substandard clients in the most competitive products.
A level of sophistication you won’t find elsewhere. Our staff has written hundred of millions of dollars in life insurance over the course of our careers. We specialize in advanced markets and will introduce you to many of our innovative life insurance and annuity strategies. Our advanced market consultants are experts in case design and will work with you and any attorneys or accountants advising your client, to make sure that no action point is let unattended.
From the professionalism of our staff, to the real-time updates you receive, the ease with which your cases are written and how quickly you are paid, you’ll know we are committed to your success.