How It Works

Solve your clients’ most complex insurance challenges

Our Process

Independent planning, analysis, and underwriting built to solve insurance, not sell it.

Step 1

Telehealth Survey

Answer a brief Blue Herring virtual health survey as a baseline for your medical profile.

Step 2

Independent Exam

Complete a Blue Herring medical exam that is universally accepted by all insurance companies who require one.

Step 3

Insurance Shopping

Blue Herring gets real, accurate prices — not estimates — from insurance companies, based on your health data.

Step 4

Unbiased Results

Blue Herring sends you all approved pricing, giving you complete transparency into the purchasing process.

Step 5

Purchase Policy

Choose the policy or policies that work for you, and complete the necessary paperwork to purchase.

Step 6

Save 38% or More

By submitting independently collected health data to all carriers, you get the lowest possible price from each.

What makes us different

What’s wrong with the traditional approach?

If you’ve worked with traditional insurance brokers, you know how hard it can be to understand and trust that the solutions they recommend are truly in your clients’ best interests. There are a lot of reasons for that confusion — and that’s by design. We’re here to break it down for you.

  • Follow the money
    Brokers are paid more to sell certain products, whether they make sense for your clients or not.
  • Captive audience
    Most brokers either work for one insurance carrier or don’t bother to do full due diligence and check out all the options before they make a recommendation.
  • Different carriers, different ratings
    Insurance carriers often issue different ratings for the exact same data for the same individual. So when a broker gives you a quote without submitting all the data to all the carriers, your clients will almost always end up in a policy that’s not the best fit.
  • Shiny object syndrome
    The big money is in up-front commissions for new sales, so traditional brokers put most of their energy into new client acquisitions instead of monitoring and managing existing policies to ensure long-term performance.
  • “Trust me, I’m an expert.”
    Complexity is a traditional insurance broker’s best friend. If you can’t understand the nuances of a policy recommendation, you’re forced to rely on someone who seems like an expert — even if you have a gut feeling that things might not be on the up and up.

If any of that feels familiar to you, you’ll want to check out what Blue Herring is doing to fix what’s broken in traditional insurance sales.

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The problem with traditional insurance quotes

Most brokers provide estimated quotes based on the assumption that every carrier will use the same health and risk rating for your clients — when in fact different carriers commonly give different ratings for the same person. Once actual health data are submitted, premiums are likely to change, which is why Blue Herring conducts independent underwriting and full due diligence before recommending a policy. 

Annual Premiums
Annual Premiums

The Blue Herring approach

We don’t work for insurance carriers or big brokerage houses. We work for you and your clients. We bring industry expertise to evaluating existing policies and recommending new ones that fit your clients’ needs today and in the future — and we’ve got the data to prove it.

We conduct completely independent underwriting and submit all the relevant data to multiple carriers before making policy recommendations. And while we do get paid on commission, our business model is built on the strength of long-term relationships with satisfied financial advisors — not on a quick sale.

Oh, and we talk to you like normal people, focusing on the things that actually matter to you and your clients, instead of trying to confuse you with a bunch of jargon.

Don’t take our word for it

Hear from the clients who’ve experienced the Blue Herring difference.

“Blue Herring is very responsive and willing to listen to my desires and goals. It’s good to have the sense that someone has my interests in mind, and I’m not just a number. Trust is key and it goes both ways. Well done Blue Herring.”
Bob S
“Blue Herring has been an invaluable resource in my professional life as throughout numerous pivots and growth moments. Zach in particular has shown up with an impeccable strategic mindset offering a steadfast partner in planning when the seas turned rough. I can’t imagine doing business without Blue Herring providing the unseen but critical infrastructure needed to thrive.”
Colin Boyd
“Zach has been patient and great to work with in helping us find the best options for my family and I.”
J J
“Alex was communicative and made sure all of my questions were answered. I would recommend reaching out to him if you were interested about the services he offers to see what he can do for you. I had a good experience and would recommend Blue Herring to others.”
Jamie
“Blue Herring has created a terrific "listen first, act accordingly" environment, and built a comfortable strategy around that, specific to my family’s needs.”
Jay Rushforth
“Zach has been excellent and continues to work hard to make sure my family and I are well positioned for our future and our goals. Zach has a knack for helping you understand what can at times seem very complicated. Overall I’ve been very happy with my time with Zach and Blue Herring.”
Jeffrey McLaren
“The process was smooth and seamless. Such a good idea to pre-qualify an applicant through MANY companies and then, once quotes come in, to then formally apply and do blood work/medical exam. Through this process, we found some excellent rates.”
Zac Kester
“Zach and the team at Blue Herring are the best I have worked with in their field (and raising the standard for financial services). Always a great experience!”
Maria Castellez
“Alex, Zach and the Team at Blue Herring have gone to great lengths to keep my family and I on the right track to a secure financial future. Admittedly, I’m not the best at keeping up with my own business. The follow through, updates and reminders have been incredibly helpful; to keep us on track and engaged. I’d 1000% recommend Blue Herring to anyone trying to increase their personalized connectivity with their financial portfolio.”
Michael Fawcett
“Zach is great! Very knowledgeable about his business and cares about the success of his clients. You can feel confident that he is looking out for your best interest with what ever he suggests. I can’t recommend him highly enough.”
Paul Stanley
“Zach and his team are true professionals: honest, prompt, and kind. It has been a joy being their client. It’s a great relief knowing that my best interests are in such great hands. I can’t recommend them highly enough.”
Scott Moreau
“Zach and the team help you plan for the future of your business whether you plan to stay in it or not. Very honest and trustworthy – have proven time and time again they have the client’s best interests on their minds.”
Shannon Foglia
“What a pleasure to work with Alex Grammatic of Blue Herring. He’s knowledgeable, honest and hard-working, and managed to get us the best insurance policy for the most reasonable cost. A win-win. My husband and I highly recommend doing business with Blue Herring.”
Sue Zelie
“Alex was knowledgable, presented choices, and discussed what various options meant for us. He was always available to answer questions and concerns via email or cell phone. We were confident that he would always follow through and check up on how things were going, and if we felt they were proceeding smoothly. He was professional and addressed our specific insurance needs. We would recommend Blue Herring and Alex Grammatic if your business has insurance needs.”
Victoria Sabo
“Zach and the team help you plan for the future of your business whether you plan to stay in it or not. Very honest and trustworthy – have proven time and time again they have the client’s best interests on their minds.”
Shannon Foglia
“The process was smooth and seamless. Such a good idea to pre-qualify an applicant through MANY companies and then, once quotes come in, to then formally apply and do blood work/medical exam. Through this process, we found some excellent rates.”
Zac Kester
“Zachary Taylor, of Blue Herring, provided my family with the security we needed to feel confident and prepared for the future. We highly recommend their services.”
Zachary Wise

Frequently asked questions.

Learn more about how Blue Herring is revolutionizing the insurance business.

What types of insurance do you sell?

Life, disability, long-term care insurance, and annuities. We do this for businesses, individuals, and trust-owned policies. This includes key person insurance, executive insurance, required business insurance, personal insurance, life insurance, individual disability insurance, international life insurance, insurance for trusts, irrevocable life insurance trust, survivorship life insurance, premium financing insurance, LTC, and Annuities.

How much does your insurance cost?

Premium prices depend on a variety of factors, including the type of insurance being purchased, the coverage needed, and the health score of the covered individual. Our independent underwriting model routinely saves 38% or more over traditional brokerage approaches for the same types of policies.

How long does your process take?

From intake to final purchase, the process can take anywhere from one to three months. The timeframe depends on the complexity of the insurance products needed, as well as your own time constraints. If you need insurance right away, Blue Herring can help you get a temporary insurance policy that will cover you while we complete the process of finding the best long-term coverage.

How are you different from other insurance brokers?

Our independent underwriting model provides you with complete transparency into the insurance purchasing process, so you can choose the plans that are right for you, at low, accurate prices. Unlike other brokers, we never commit our consumers to a plan before submitting all health data necessary for insurance companies to calculate health scores and provide accurate pricing. This means you can have confidence that you’re getting unbiased recommendations that are in your best interest.

Why Blue Herring?

Blue Herring is raising the bar for insurance planning. We believe that life, disability, long-term care, and annuity recommendations should be held to the same fiduciary standard that attorneys hold themselves. Our best-interest standard is like nothing you have experienced before.

Plus, we are making the whole process easier, more efficient, and completely transparent, so you can always feel confident in the insurance solutions you recommend to your clients.

Discover what’s possible

Let us show you how we can revolutionize the way you approach insurance planning.
Request a Consultation