- Case Design, Underwriting & Placement Support
A strong case reaches the market already making sense.
Needs framing, case design, carrier and product evaluation, underwriting preparation, submission coordination, and placement support through approved relationships.
- Clear need
- Complete evidence
- Intentional market
- From objective to placed coverage
A case is a chain of evidence.
Each stage should make the next decision easier for the client, advisor, underwriter and carrier.
FRAME
Define the need
Purpose, amount, time horizon, ownership, funding capacity and success criteria.
DESIGN
Build the case
Structure, product category, guarantees, assumptions, premium pattern and alternatives.
PREPARE
Organize evidence
Medical, financial, business, ownership and compliance documentation.
SELECT
Choose the market
Carrier appetite, product fit, capacity, service, jurisdiction and approved access.
COORDINATE
Manage submission
Requirements, questions, records, status, offers and advisor communication.
PLACE
Deliver correctly
Offer review, final design, signatures, funding, ownership and delivery requirements.
Placement is never guaranteed. Final terms, ratings, capacity, product availability and issuance remain subject to carrier underwriting and approval.
- Fit the preparation to the case
Different planning needs require different evidence.
Select the case type closest to the opportunity. Complex cases may cross several lanes.
- PERSONAL PROTECTION
Connect Coverage to The People and Obligations It Protects.
The design begins with income replacement, debt, dependents, time horizon, existing coverage and the client’s ability to sustain premiums.
Need analysis
Income, obligations, duration and existing resources.
Medical preparation
Accurate history, treatment status and records path.
Product fit
Guarantees, flexibility, costs and risk tolerance.
Delivery plan
Owner, beneficiary, premium and review schedule.
- BUSINESS PLANNING
Translate enterprise dependence into a supportable insurance need.
The case should connect key-person risk, debt, ownership, succession, valuation and the company’s capacity to fund and maintain coverage.
Business purpose
Key person, buy-sell, loan or executive benefit.
Financial evidence
Revenue, compensation, value, debt and premium source.
Ownership design
Entity, owners, trust, insured and beneficiary.
Agreement alignment
Match coverage to legal and funding obligations.
- ESTATE LIQUIDITY
Coordinate Insurance Economics With the Legal and Tax Plan.
Estate cases require a documented liquidity need, sustainable gifting or funding, clear ownership direction and coordination with the client’s counsel and tax professionals.
Liquidity model
Expenses, obligations, taxes and illiquid assets.
Trust readiness
Trustee authority, application and premium process.
Funding evidence
Gifts, loans, split-dollar or other approved source.
Advisor signoff
Legal and tax assumptions confirmed externally.
- ADVANCED MARKETS
Use enhanced diligence before financing or private-placement activity.
Premium financing, PPLI, PPVA and variable products require additional financial capacity, eligibility, securities, lender, investment, tax and compliance review.
Approval gate
Confirm permitted communication and licensed parties.
Financial resilience
Stress-test premiums, collateral and liquidity.
Offering diligence
Review carrier and securities documents.
Control protocols
Respect investment and administration limits.
- Underwriting readiness
Tell The Complete Story Once, Securely and Accurately.
Underwriting preparation does not change the facts. It organizes relevant facts so authorized parties can evaluate the risk efficiently.
MEDICAL
Health chronology
Diagnoses, dates, treatment, follow-up, stability, medications and current providers, supported by authorized records.
FINANCIAL
Coverage justification
Income, net worth, debt, business value, estate need, premium source and existing or pending insurance.
BUSINESS
Enterprise context
Ownership, revenue, compensation, valuation, loan purpose, buy-sell terms and key-person exposure.
LIFESTYLE
Activities and travel
Aviation, hazardous activities, foreign travel, residence, occupation and other carrier-specific considerations.
OWNERSHIP
Parties and Purpose
Applicant, owner, insured, beneficiary, trust or entity authority, premium payer and insurable-interest basis.
DISCLOSURE
Existing coverage
In-force policies, replacements, exchanges, financing, concurrent applications and required disclosures.
Secure-data rule: Do not send medical records, tax returns, identification documents, account statements or other sensitive information through ordinary email or the public form below. Use only WSG’s approved secure intake and carrier-authorized workflows after consent.
- Carrier and product evaluation
Fit matters more than quote count.
A meaningful comparison examines the contract, carrier, underwriting path and service model, not premium in isolation.
01
Contract guarantees
Death benefit, premium requirements, lapse protection, values and rider terms.
Contract
02
Non-guaranteed assumptions
Crediting, dividends, charges, index terms, investment performance and illustrated values.
Illustration
03
Underwriting fit
Carrier appetite, evidence requirements, capacity, reinsurance and likely classification.
Risk
04
Carrier profile
Financial strength, product administration, claims-paying ability and service capability.
Carrier
05
Planning fit
Ownership, premium sustainability, liquidity, flexibility, tax context and advisor requirements.
Strategy
- Submission and placement support
Control the process without controlling the carrier's decision.
WSG coordinates the case through approved relationships while keeping authority, consent and status clear.
TRIAGE
Review readiness
Identify missing facts, unrealistic assumptions, licensing issues and the appropriate secure intake path.
MARKET
Sequence outreach
Use informal inquiry or formal submission only where permitted, appropriate and authorized.
NEGOTIATE
Clarify offers
Coordinate requirements, underwriting questions, reconsideration evidence and carrier communication.
DELIVER
Complete placement
Confirm final design, signed illustration, delivery documents, premium, ownership and post-issue review.
WSG support is limited to carriers, producers, broker-dealers, lenders, vendors and other counterparties that are approved for the case. Licensing, appointments, jurisdiction, product availability and each party’s authorization must be confirmed before activity occurs.
- Clear case ownership
Every participant should know what they own.
Coordination improves speed only when accountability remains visible.
Client / insured
Provide complete and accurate information, consent to authorized data use, complete requirements and approve the final decision.
Writing producer
Own the client relationship, licensing, disclosures, recommendation, application, delivery and required documentation.
WSG case desk
Support needs framing, design, approved-market evaluation, underwriting preparation, case status and placement coordination.
Carrier / underwriter
Determine evidence requirements, risk classification, capacity, product availability, offer and issuance.
Legal / tax advisors
Review ownership, trusts, entities, agreements, tax assumptions and legal implementation.
Securities parties
Supervise variable or private-placement activity, communications, suitability and transaction requirements where applicable.
- Start with a case snapshot
What problem should the coverage solve?
Submit high-level planning context only. WSG will identify the next approved intake step and the information needed for triage.
Do not include health details, medical records, Social Security numbers, dates of birth, financial statements, account numbers, tax documents or other sensitive information in this public prototype.
- Case-desk questions
Good preparation improves clarity, not certainty.
No. Only the carrier determines evidence requirements, classification, capacity, terms and issuance. Preparation can improve the completeness and clarity of a submission but cannot guarantee an outcome.
Not automatically. Broad submissions can create duplication, inconsistent information and avoidable market friction. Carrier outreach should be intentional, authorized, suitable for the case and consistent with approved relationships and carrier rules.
Where a carrier permits it, an informal inquiry may allow preliminary feedback based on limited authorized information before a formal application. It is not an offer, approval or binding classification, and carrier procedures vary.
Compare guaranteed and non-guaranteed elements, premiums, charges, lapse risk, benefits, riders, assumptions and sensitivity under consistent scenarios. A lower illustrated premium or higher projected value does not by itself establish a better fit.
Only through a WSG-approved secure workflow after the required consent and authorization. Sensitive information should not be placed in ordinary email or a public website form.
The appropriately licensed producer or professional responsible for the client recommendation retains that duty, including suitability, disclosures and documentation. WSG's case desk provides support within approved relationships and applicable licensing.