The Art of Underwriting
Underwriting is much more than simply inputting data into a rate manual. To be a good underwriter, one must be knowledgeable, courteous, responsive, and personable. The underwriting team at IAT is one of, if not the best in the business. Each has had extensive training from one of the pioneers in the business and is given the flexibility to be a true underwriter. Each production source is assigned to one underwriter so that a good solid working relationship may be established. Our underwriters take great pride in having the time and ability to review each case to determine the best solution for the client and producer. In many instances, the best solution may not be the obvious one or simply duplicating current terms. Let one of our underwriters find the best solution for you.
Why Choose IAT
- Minimum Specific Deductible - $10,000
- Minimum Number of Lives – 25
- Flexible Contract Terms
- Dollar for dollar aggregated specific options
- 30 Lock-In
- Turnaround time based on need-by-dates
- Competitive quotes on current fully insured business
- AM Best rate “A” and “A+” carriers
- You work with one underwriter
Aggregate Only
IAT has developed an aggregate only product to meet the demands of today's ever changing market place.
To learn more please click here to download this document.
Inmate Medical Insurance
IAT specializes in Inmate Coverage Plans and can create highly customizible contracts.
To learn more please visit our Inmate Coverage page.
Frequently Asked Questions
For frequently asked questions about the Underwriting department please visit the FAQ page by clicking the FAQ link in the main menu or click here.
Who To Contact
If you have an underwriting question or would like to speak with someone about working with IAT, please contact .
IAT Main Phone: 615.790.6908
Submit a Quote
All quote submissions may be emailed to Please provide the following…
- Complete Census: Including year of birth, single/family status, gender, zip codes, COBRA and retiree information.
- Benefit Plan Information: Current and proposed benefit plans.
- Specific Deductible Information: Current and proposed deductible amounts as well as information on any lasered individuals currently on the plan.
- Managed Care Information: Current and proposed networks.
- Paid Claim and Enrollment Information: Month by month. Three years, if possible.
- Shock Claims Information: Including dollar amount, diagnosis and prognosis.
- Detailed Description of Business: SIC code, if possible.
- Current Rates, Factors, and Funding Mechanism: If currently fully insured, please provide current and renewal rates.