Our process starts by determining the client’s eligibility for new coverage based upon their medical history, current coverage amounts and employment information. Our underwriting specialists will compare the data provided with published guidelines from a number of carriers to help match our client with the carriers that will provide the most favorable offers based on their specific situation.

If you have no coverage or an existing policy analysis determines that you are eligible for additional coverage, AFR Advisors will shop the Disability Marketplace to make sure you have the best product for both your needs and budget. As Disability Insurance can be a complex topic, it is important to take your time in making a decision and work with a professional who will take the time to highlight the benefits and shortfalls of the various options available in today's disability market. 

Often times with Disability a policy will offer future increase benefits or other optional changes that need to be analyzed and implemented with the carrier. Our Advisors will work with you to keep your coverage functioning properly as your needs change and you grow within your profession or change proffesions all together. 

Benefit Maximization for Disability Insurance is a complex blending of Work provided coverages, Private Market Coverages and Excess Lines Coverages. Depending on income, and employment provided options the best solution can be any combination of the three. As part of our Existing Policy Analysis, Policy Aquisition and Policy Restructuring processes, we will work with you, your current carriers and sometimes even the benefits department of your employer to make sure you are able to obtain the maximum benefit allowed by law.