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If you could only write disability with one company... who would it be??
What would be the situation where you could only write one company? Are you entertaining being captive in some form?
No but just like life insurance I like to have 1 "GO TO" carrier. I would like to know who is the best overall and if situations via occupation and/or need arise then I can always shop around.
If I could only pick one, Guardian. Best product, pricing is good for many occupations, discounts available, A++ financial rating and long-term DI commitment as a carrier, eApps, great eSignature process for policy delivery, lifetime renewal comp (most carriers stop after 10 years), can get up to 17.5% renewals for life with production/persistency, others generally are 10% or less.
Still best to have 4-5 companies to offer since there are so many underwriting variables. Most of my business last 2-3 years has been Guardian and MetLife, looks like it will probably be Guardian and Ohio National going forward given their product/pricing changes.
How is Ohio National underwriting is it fairly quick?