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Underwriting Excellence

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Meet The Team

Highland's Underwriting team has the knowledge, expertise, and platform to drive cases from initial submission to completion. We leverage our unsurpassed knowledge of medical and financial underwriting, broad product acumen, and distinguished advanced planning expertise to negotiate and secure the most competitive pricing in the market.

Mike Raczkowski

Mike Raczkowski

SVP, Head of Advanced Planning, Sales Support, and Underwriting

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Michelle Konsky

Michelle Konsky

Underwriting Director

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Lisa McLeod

Lisa McLeod, AALU

Underwriting Consultant

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Dorothy Penney

Dorothy Penney

Senior Underwriting Consultant

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Our Mission

  • Integrate a superior underwriting presence during the pre-sales, sales, new business, and post sales process.
  • Execute through mentoring, underwriting advocacy, and accessible resources.
  • Demonstrate our underwriting excellence to our carrier partners through an efficient, consistent, and intelligent management of underwriting challenges to obtain the most fair and favorable outcome for our clients.

Our Services

  • Provide pre-sale underwriting opinions
  • Manage quick quotes from carrier on less complex underwriting issues
  • Assist in carrier selection by evaluating carrier underwriting strengths
  • Partner with internal sales resources to properly position cases
  • Partner with sales associates as a key customer connection into Highland
  • Summarize complex medical history for submission to carriers
  • Assist with and create cover letters
  • Work closely with the case managers to assist with underwriting issues encountered during the new business process
  • Provide direction to order appropriate medical records
  • Negotiate carrier offers where appropriate to ensure the best underwriting offer is received
  • Manage complex and jumbo cases – SWAT Underwriting
  • Maintain strong collaborative relationships with Highland-dedicated teams at our carrier partners

Our Resources

Our robust library of underwriting guidelines and resources is available to financial professionals. To access additional resources, login or register for an account today.