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Smart Money Financial and RGA have partnered to enhance underwriting efficiencies.

Updated: Dec 20, 2023

This exclusive program allows Smart Money Financial to work directly with the world's leading facultative reinsurer to collaborate on offers on impaired risk cases. RGA has several underwriting niches that can be leveraged to secure offers which may improve the ability to place more cases. This program will bring much-needed efficiencies to the underwriting process and modernization journey.


Case Parameters

  • Eligible Face Amounts: $ 500,000 - $8 Million.

  • Submission Option 1: Smart Money Financial submits the informal directly to RGA for underwriting assessment.

  • Submission Option 2: Smart Money Financial submits the informal to the applicable participating carrier first, and an offer is made. Smart Money Financial may then submit the case to RGA for underwriting assessment and potential offer improvement.

With both options, the participating carrier will support RGA's preliminary offer. If there are missing requirements, the offer will be subject to completing those requirements and the file will be reviewed.


Special Notes

  • We will need to know up-front the client's in force, applied for, and total coverage to be placed.

  • The program is an excellent option for participating carriers who do not review applications on an informal basis.

Participating Carriers

  • Securian

  • Nationwide

  • Allianz

  • Security Mutual

  • Mass Mutual

  • Cincinnati Life

  • Columbus Life

  • National Life

  • Protective


Niche Impairments

· Diabetes

· Build

· Cardiac Impairments

· LFTs

· Multi-morbidity

· No COVID-related restrictions to age 80


Contact us for more details. We look forward to discussing how you can leverage this program to grow your business



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