Welcome
Product Expertise & Case Design
Getting Started
Processing New Business
Submitting Contracting
Underwriting
Contact Us
FAQ's
Welcome to Milner Financial
Accessibility, Accountability, Urgency, Integrity
Welcome,
On behalf of Milner Financial, we would like to welcome you and thank you for giving us the opportunity to help you grow your business. Our goal is to ensure insurance professionals have access to every service, system and tool available to help meet their client’s needs. Since we have access to top insurance carriers in the industry, we pride ourselves on offering personalized, objective solutions that insurance professionals, and their clients, can be sure are perfect to suit their situation. Underwriting, case management, advanced planning, retirement planning, are a sample of our always growing list of services.
Milner Financial has experienced, attentive, and knowledgeable staff who have garnered a great reputation with our clients and competitors over the last 70+ years. We look forward to assisting you through strengthening your client relationships with tailored solutions to fit their financial needs.
Product Expertise & Case Design
Milner Financial provides expertise in the areas of:
- Life, Advanced Planning & Executive Benefits
- Policy Review and Performance Analysis
- Business, Continuation & Succession Planning
- Executive Benefit Planning
- Split Dollar Plans
- Corporate Owned Life Insurance, ICOLI and BOLI
- Business Valuations
- Estate and Trust Planning
- Charitable Planning
- Long Term Care Insurance Planning
Our Products:
Term quotes can be generated on our website. Other quotes such as permanent life insurance, long term care, and annuities must be requested. For assistance, please contact our sales desk at
Request a QuoteGetting Started
The Milner Dashboard
For First Time Users:
- Go to the Milner Financial website, www.milnerfinancial.com
- Click on the Milner Dashboard button on the top right of the landing page.
- If you have not previously registered, click on the “Login/Register” button, fill out the required fields.
- If you need technical assistance, please contact [email protected].
- Once logged in, you will land on the Milner Dashboard, which provides quoting tools, product information, forms, case status and calendar of events for all lines of business.
- Other tools available include a Resource Library providing client friendly marketing pieces and advanced sales strategies.
New Business
Processing New Business
The New Business team at Milner Financial works diligently to coordinate with the carrier to manage your case through every stage of the process. Cases are touched on a regular basis and we facilitate requirement fulfillment on your behalf when possible. Agents will receive consistent personal communication and all new business status is also available on our Milner Dashboard.
We offer easy online application submissions through various platforms:
If you have any questions or need further information on new business, please contact
Submitting Contracting
We offer a streamlined contracting process through SureanceBay’s SureLC. The platform guides you through a series of questions to collect all information and documentation required for carrier contracting.
If you have any questions or need further information on training, please contact
Underwriting
The Underwriting Team at Milner Financial is changing how insurance is designed and delivered for those with medical concerns. We advocate on your behalf and leverage carrier partner relationships and resources to secure the most distinguished offers for your client. How do we do it?
First, we distinguish our underwriting process by offering certain things that others do not. We utilize Re-insurance underwriting manuals in our office to help substantiate and negotiate the best offers from our carriers.
Second, we educate our producers on the underwriting impairments to help them be well-equipped for making the sale.
Third, we will make calls with the producer to their clients to help re-inforce the underwriting process and to help gather the pertinent information to help us assess the risk in the best manner. All of this helps us to present the best possible case to the underwriter.
The Milner Financial Underwriting Team offers three options for medical history review:
- Preliminary Quick Quote Review - We summarize the important medical, financial, and avocation information and send it out to over 15 carriers at the same time for a Quick Response, usually within 48 hours. We relay the best offers back to the producer with competitive rates that work for your clients. All offers are subject to full underwriting review of all records and usual age and amount underwriting requirements.
- Trial Application - We retrieve medical records from the physicians that have treated your client. Along with the financial and avocation information that you provide, we send this out to the best carriers that align with the products that you are hoping to offer that benefit your client most. This process yields a more definitive offer given the details provided. This process requires a minimum premium of $3,000 or a face amount greater than $500,000.
- Formal Application - This process has recently seen some major changes for the better with fewer requirements, faster decisions, and more competitive offers. About 70% of the cases will go through underwriting and issue as preferred or better. Our in house underwriters will go to work on the remaining 30% to find the best options available in the market by utilizing either the above QuickQuote process or the trial application process. Rest assured, with our 100 plus years of experience, and carrier relationships, we will find you the best offer!
If you have any questions or need further information, please contact
To access underwriting guidelines and questionnaires, please visit
Contact Us
Milner Financial
Phone: Toll free: 800-926-9206 Local: 770-455-1234
Home Office: 922A Hurricane Shoals Road Lawrenceville, GA 30043