Our story unfolds with a brief look at the background of our President, Patrick Ramotar, a 32-year veteran of the industry, Mr. Ramotar possesses a comprehensive background, which includes top management experience, running underwriting departments, and marketing. As a result of having been an Underwriter, as well as supervising both large and small underwriting departments, Mr. Ramotar has the know-how to manage and work effectively with these uniquely skilled professionals.
As an experienced Underwriter, who still is intimately involved in actual day-to-day underwriting, I can relate to and empathize with the many challenges facing underwriters today. This is especially difficult considering the varied duties, which I have to juggle daily. However, I make a dedicated effort to ensure I stay sharp by doing a batch of tough impaired risk cases myself everyday. I also keep abreast of changes in underwriting so that I may continue to relate to underwriters and not lose my roots, according to Mr. Ramotar.
Our relationship with a company begins by gaining a thorough understanding of their guidelines. However, rather than solely focusing on their rules and policies, we also strive to learn their philosophy. We study the practices of our clients until we can transform into a mirror image of them in terms of their in-house processing. Our goal is to become invisible to their field force and not place ourselves in a competitive role with our client.
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When we first receive cases, our team of underwriting assistants enters the records into our in-house program. Our file tracking system tracks a case from the time it arrives here, until it has been finalized and returned to our client. It constantly monitors our time service on cases. We not only know exactly where our files are located, but our detailed file tracking notes have been able to actually guide our clients to where files are located within their departments.
Approximately 75 percent of the cases we receive are turned around within 24 hours. With the support of our medical director, most of the balance is completed within 48 hours. What allows us to achieve such fast results is that we are not bombarded with the multitude of phone calls, which our the underwriters of our clients field all day. Therefore, our underwriters are able to fully focus on the cases they are assigned without these distractions. A further inducement to production is the fact that our hands-on management program focuses on each underwriter. At the end of every day, detailed logs are produced showing the productivity of each underwriter. This motivates them to produce consistently as any drop-off is readily apparent to management.
It is our firm policy to avoid all contact with our the agents of our clients. Even when an agent is told by our client that we are handling their work, we do not take their calls and always refer them back to the client. Consequently, agents never know which cases we are working on and cannot draw comparisons. When a client chooses to keep our participation secret, we operate as phantoms in the background, without the knowledge of the agent. Our goal is for our presence to remain invisible and seamless, preventing agents from playing us against each other.
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