We try to simplify the process by selling only those products that we would buy ourselves. When selecting a product or product line, our parameters are as follows:

Size – is the insurance company a giant and an expert in this particular insurance.

Probability of Success – some of the best insurance programs that I have seen were pulled off the market within 24 months because they were “too good”.

Financial Strength – will they be around in five years. This eliminates many companies based in the Caribbean where it is hard to ascertain the true health of an insurance company.

Quality of Product – no one wants to sell policies that will disappoint you. This process should create good will and we demand nothing less.

People – much of this comes down to relationships. Are they trustworthy? Will they bend policy guidelines to pay a claim? I have found that those that work for insurance companies will work hard to “figure out” how they can justify the payment of “gray area” claims to please the us and the client. Most are hard-working family people that try to do the right thing.

Rest assured that we have reviewed the majority of products in this market. Those we have selected meet the above criteria and have served us well for many years.