At Carfagno Insurance, we understand that not every client is a Preferred, or even a Standard risk. Many individuals have complicated medical histories, participate in hazardous activities, or are world travelers. Though these and other conditions do have an impact on a client's underwriting class, they do not impact that client's need for coverage.  Carfagno Insurance Services can help you to place these cases at the most competitive rates- regardless of their situation.

We know that making and closing sales is hard work. We also know that your job is even harder if you have to go back to your client with a more expensive premium because he or she was approved at a class other than applied for. Field Underwriting is a great way to reduce the times this happens, but we know that your expertise is in selling your clients, not underwriting them. That's where we come in. Because we can't be with you on your sales calls to offer our expertise, we've made these powerful tools available for you 24 Hours a day, 7 days a week.

The Carfagno Insurance Designers Trial Inquiry Datasheet is a fillable .pdf file that you can use to collect just the basic information on your client to send to our office. We can then forward it to our underwriters for review. Click on the "Trial Inquiry Datasheet" button above to learn more.

For those clients whose circumstances are less straight-forward, Carfagno Insurance Designers have developed a new relationship to offer you XRAE. With this powerful new tool, you can enter all the information you know about your client and be prompted to ask the follow-up questions necesssary for an underwriter to really make an informal assessment of your client. XRAE uses both published underwriting information and proprietary guidelines from the industry's leading carriers to give you the most accurate assessment possible on an informal basis. Click on the "Launch XRAE" button above to learn more.

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