We do not rely solely on industry tables or historical data to determine an injured person’s life expectancy. Instead, when appropriate, we assess and use rated ages specific to injury claimants for better estimates. For larger, more complex cases, our Tier 2 underwriting process includes investing additional time and money to obtain outside expertise so claimants get the most from their settlements and defendants reduce their liabilities.
Behind the scenes, Independent Life’s streamlined business model furthers our pricing strategy. And unlike other providers that need to support legacy books of business, our pricing has always reflected the current interest rate environment, so policies written today don’t subsidize policies written in the past. The bottom line? Your clients receive the most competitive payouts to confidently meet their long-term needs.
It all starts with our hands-on executive leadership team, who collaborate on cases, adding deep experience and innovative perspectives. When you combine this approach with our end-to-end technology that streamlines each step from quoting through last payment, it’s easy to see why our turnaround times are setting higher standards for the industry.