Our Process
Independent underwriting gives you the policy you need at a price you can trust.
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.
Frequently asked questions.
Learn more about how Blue Herring is revolutionizing the insurance business.
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Why Blue Herring?
Blue Herring is raising the bar for insurance sales in the United States. We believe that life, disability, long term care, and annuities 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.