U.S. Financial Life
U.S. Financial Life was founded on the concept of a common-sense approach to underwriting. Today, skyrocketing sales has made it one of the fastest growing life insurance companies in the industry.
U.S. Financial Life insurance is a member of the MONY family of companies, which became wholly owned subsidiaries of AXA Financial, Inc. in 2004.
As a recognized leader in the life insurance industry, U.S. Financial Life is rated A+ (Superior) from A.M. Best, the nations' oldest and most recognized insurance rating organization. According to A.M. Best, U.S. Financial Life's culture is grounded in the highest ethical standards and is recognized for integrity in dealing with customers and prospective customers.
In addition, Fitch Ratings has affirmed an Insurer Financial Strength rating of "AA" for the major insurance entities of AXA Group, which includes U.S. Financial Life Insurance. The long-term and short-term ratings of AXA Group are also affirmed at 'A+' and 'F1' respectively. The Outlooks on the ratings remain Stable.
Just as it keeps current on medical breakthroughs and innovations that are key to Clinical Underwriting, it continues to improve itself. U.S. Financial Life has established a strong and unwavering foundation in the life insurance marketplace. On that foundation, it is building the life insurance company of the future.
These are some of the areas where U.S. Financial Life Insurance Company has a different approach to underwriting.
- Nicotine use is rated on a scale according to actual use. Thus, an individual who only smokes occasionally is ranked as at far less risk than a heavy smoker.
- Medical breakthroughs occur daily. U.S. Financial Life continually reviews medical literature to take these advances into account, rather than relying on outdated information from old underwriting manuals.
- Complete history of the insured - The Company studies a person's whole picture, including medical records and personal history interviews.
- Common sense - The Company takes the approach that an individual who understands his or her medical condition and modifies behavior to lower risk factors is a better risk.
- Acknowledgement - The insured follows a doctor's orders concerning medical problems.
- Management -the Company evaluates a person's willingness to modify lifestyle for medical conditions that respond to changes, thus lowering risk.
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Excalibur Brokerage Agency, Inc.
1648 Route 130 North Suite 2
North Brunswick, NJ 08902
800-652-9923
732-297-6000
fax 732-297-6668
Email us: info@excaliburbrokerage.com
