zwcoop
Expert
- 39
I know virtually nothing about group benefits in general and have only worked with individuals and small business owners in the past. I have a good buddy that has worked for the railroad for a long time and use to be the general chairman of their union. I was catching up with him recently and we started talking about their benefits and especially their group disability coverage. They go through a broker currently but haven't been happy with the costs/benefits of the carriers that they keep bouncing between. My understanding is that because working for a railroad is a 'high risk' occupation, a lot of carriers won't write it.
Now that I'm independent I can reach out to most providers out there but I don't even know where to start. Anyone out there have a suggestion on carriers that may write this business and what the overall process for putting together quotes for group coverage.
Now that I'm independent I can reach out to most providers out there but I don't even know where to start. Anyone out there have a suggestion on carriers that may write this business and what the overall process for putting together quotes for group coverage.