Application Cover Letter
Ask your broker/agent to show you your Application Cover Letter...
I think this is the most underutilized tool in the tool box. For pivotal rate classes (those who are on the borderline between rate classes) this is ABSOLUTELY CRITICAL to getting the best rate!
Make sure you get a copy before BEFORE they send it to the underwriter. If it looks less than professional or if it makes your case look negative in any way, ask to have it edited.
Also, we ALWAYS post a picture of our clients on the cover letter. It works wonders! A happy healthy picture puts the underwriter at ease and helps them justify assigning you to the better classification (lower rates).
