How It Works

Take control over what you pay for insurance

Our Process

Independent underwriting gives you the policy you need at a price you can trust.

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Step 1

Telehealth Survey

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

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Step 2

Independent Exam

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

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Step 3

Insurance Shopping

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

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Step 4

Unbiased Results

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

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Step 5

Purchase Policy

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

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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?

Traditional insurance brokers commit you to an insurance company before your health profile is built, based only on an estimated health rating. Unfortunately, insurance companies commonly issue different health ratings for the same data, leading to wide discrepancies in pricing. With this traditional approach, you don’t see actual prices until a commitment has been made — and chances are, you’re paying too much.

Here’s why:

  • Bias: Committing to just one insurance company is a clear sign of agent bias.
  • Bait and Switch: Initial quotes almost always result in a surprise increase in cost.
  • Compensation: Brokers are paid more to sell certain products, whether they’re right for you or not.
  • Health Rating: Without accurate health ratings, you can’t truly compare prices.

Blue Herring conducts completely independent underwriting before shopping for policies, allowing us to provide accurate, unbiased prices. We act as your advocate and partner to find the best policy for you.

The Blue Herring Approach

Traditional Insurance brokers take your basic information and compute a list of quotes assuming your health is the same for every insurance company. Unfortunately, not all insurance rate things equally. What that means for you is misleading quotes that don’t stick when policies are approved.

Unlike traditional brokers, we use a completely independent underwriting model, submitting data from our medical exam (not an insurance company’s exam) in order to get accurate health ratings from carriers. This gives us the leverage to get you a better price for the policies you need.

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Frequently asked questions.

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

What types of insurance do you sell?

Life and disability insurance for businesses, individuals, and trusts. 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, and premium financing insurance.

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 sales in the United States. We believe that life and disability insurance sales should be held to the same fiduciary standard that attorneys hold themselves to. Our best-interest standard is like nothing you have experienced before.

Unlike traditional brokers, we use a completely independent underwriting model, submitting data from our medical exam (not an insurance company’s exam) in order to get accurate health ratings from carriers. This gives us the leverage to get you a better price for the policies you need.

Get insurance prices you can trust

We’re setting the highest ethical standard for insurance sales in the country, so you can feel confident that you’re getting the best policy at the best price.