Solutions for the
Cases Others Can't Place.
When health history or underwriting challenges make a case difficult, Brookfield Partners gives agents and financial advisors access to additional carriers, specialty markets, and experienced impaired risk case design.
- Life Insurance
- Disability Insurance
- Long-Term Care
- Annuities
Partnering with Agents Who Put Clients First
Whether you are a career agent at a major carrier or an independent financial professional, Brookfield Partners can serve as a resource when you encounter a case that needs additional options or specialized underwriting expertise.
Career Agents at Major Carriers
New York Life, Northwestern Mutual, MassMutual, Guardian and other career distribution systems. When your primary carrier is not the right fit, we can help explore additional options.
Independent Agents & Advisors
Expand the solutions available to your clients without having to manage dozens of carrier relationships.
Fast, Responsive Service
Real people. Real answers. Experienced case support from underwriting through placement.
Confidential Case Handling
Your client relationships remain yours. We work behind the scenes to support you.
Impaired Risk
Is Our Focus
Many difficult cases are not truly uninsurable. They simply need to be presented to the right carrier and positioned correctly.
Brookfield Partners works with traditional carriers, specialty markets, and impaired risk underwriting resources to help advisors identify the strongest available solution for each client.
We help with cases involving:
- Diabetes
- High Blood Pressure
- Heart Conditions
- Coronary Artery Disease
- Cancer History
- Mental Health History
- Sleep Apnea
- Obesity / Elevated BMI
- Surgeries & Procedures
- Tobacco or Nicotine Use
- Aviation
- Foreign Travel
- Family Medical History
- Declined Cases
- Rated Cases
- Complex Medical Histories
and many more. If you are unsure whether a case is placeable, send it over and we will tell you what we see.
A Better Approach to Difficult Underwriting
Access to more carriers only helps if someone knows how to use it. Our value is in how a case is prepared and where it is sent.
Review the Case
Send us the basic case details and relevant medical history before committing to a carrier.
Identify the Best Markets
We evaluate carrier underwriting tendencies and identify the companies most likely to view the risk favorably.
Position the Case
Our team helps present the case clearly and strategically so underwriters have the information needed to evaluate it properly.
Help You Place the Business
We support the case through underwriting, offer review, policy issue, and placement.
More Options. Better Case Strategy.
More Value for Your Clients.
Broad Carrier Access
Access traditional, niche, and specialty insurance markets through one brokerage relationship.
Impaired Risk Expertise
We understand which carriers may be more competitive for specific medical histories and underwriting profiles.
Strategic Case Positioning
We help determine how and where a case should be submitted before it reaches underwriting.
Ongoing Case Support
From informal inquiries and underwriting through policy issue and placement, our team stays involved.
Advisor Relationship Protection
We operate as your brokerage partner behind the scenes so you remain in control of the client relationship.
Keep Your Primary Carrier.
Add a Second-Look Resource.
Brookfield Partners is not asking you to change how you do business. When your primary carrier has the right solution, place the case there. When it does not, give us the opportunity to take a second look.
Our role is simple: help you determine whether another carrier or strategy may produce a better outcome for your client.
A second opinion can be especially valuable when a case is:
- Declined
- Heavily rated
- Postponed
- Limited by underwriting guidelines
- Uncompetitive due to health history
- Outside a carrier product appetite
- Difficult to structure
Experienced Brokerage Support
Impaired Risk Expertise
Independent Carrier Access
Confidential Case Review
Advisor-Focused Service
Let's Get Your Next Difficult Case Moving Forward.
Have a client who may be difficult to insure? Send us the case for a confidential, no obligation review and let us help identify your options. Already received a decline or rated offer? Send it to us for a second look.
Submit a Case for Review
Share what you know about the case. Basic client details and a summary of the health history are enough to get started. If we need underwriting documentation or medical records, we will request them through our secure process.