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Hello, Joel Lerner with Questar Financial Group here. QFG is a Worker's Compensation consulting and auditing firm. We would like to add you to our list of agents across the country who refer their clients to us because of our integrity, and the experience we bring to the table. I'm sure I don't have to tell you how competitive the insurance market is today. Outside of service, and a winning personality, it is becoming increasingly difficult to stand out from the crowd. My internet research has shown a certain trend towards agents providing this service to their clients as a means of garnering new business. It would be a strong selling point indeed if you could offer any new clients a review of their old policies going back at least 3 years, and get them a refund. Offering our service would create a new revenue stream for your agency as we are prepared to offer a referral fee of 5% of the total recovery.
Worker's Compensation auditing is all we do, and our auditors have an average of 20 years experience. We do not sell insurance, and we are not looking to replace you. Our primary goal is to look at past and present policies to see if your clients have been overcharged by unintentional insurance errors. If they have, we will act on their behalf to lower their present and future premiums, and recover any monies due them. This is money that goes right back into your clients bottom line. If we find nothing wrong there is no fee for our service. If we find that there are refunds due, our fee is 50% of the recovery. I'm sure you'll agree that 50% of something is worth more than 100% of nothing! It's a win-win situation. You might say we are there to audit the auditors. In this day and age business is all about service, and ours is a service that will make you look even better without taking up much of your time. All Questar asks is that you provide us with all the necessary information for the audit.
We understand that your agency probably doesn't have the time or the resources to do as thorough an audit as we can do, and that is no reflection on your knowledge or performance. You have other hats to wear. I'm certain that you want the very best for your clients. I'll bet your clients don't let the IRS do their taxes so why would they want the insurance company trying to find their own mistakes when there's another alternative? Insurance companies don't intentionally make mistakes, but our experience and numerous media articles show that 60% to 80% of businesses are being overcharged on their Worker's Compensation premiums. As you probably realize, when the insurance company does an audit it is more geared towards making sure no one underpaid. They're looking at whether there's been any changes in the work environment that might increase risk so they can raise premiums. And remember insurance auditors work for the insurance company. They have severe time constraints as they have other audits to do. It's highly doubtful they are looking at past policies going back 3 years, or looking at rates, or classifications. It's even more highly unlikely that they will recognize old errors and overcharges. Their audits are cursory at best. Once again please remember there is no fee if we do not find your client a refund.
I am available 7 days a week until 10PM. My cell number is 703-898-0401, and my website is LowerYourPremiumNow.com. One thing to note is for a company to qualify for our service they must pay at least $30,000 per year in Worker's Compensation insurance, and have 3 or more worker classifications. However a client spending substantially more than $30,000 with only 2 classifications will qualify for our service as well. I would like to thank you in advance for your time and consideration, and I look forward to being of service to you and your clients in the future.
Sincerely, Joel Lerner
Questar Financial Group
