In insurance, everything boils down to underwriting. Contrary to what you may think, underwriting is more art than science, and having a trained negotiator acting as your client’s advocate ensures that you obtain the best rate possible.

Our underwriting team, led by Justin Mills-Ward, truly understands underwriting.  Justin received formal training and underwrote at a large national carrier for years before coming to the brokerage world.  He holds fellowships in the Academy of Life Underwriting and the Life Management Institute, as well as additional designations in reinsurance and customer service.  

Justin uses his skills and experience, as well as the relationships he has cultivated during his career, to negotiate the very best possible offer for your clients.  

Game Changer!

"The underwriter Justin at BUA is a game changer.  He has helped get me cases approved at levels that I didn’t think were possible.  His systems of shopping cases are second to none. Justin cares about his work and always gives 100%."

- Michael, New Jersey


"Justin has been incredible. His assistance in so many difficult underwriting issues has been invaluable.  I appreciate his depth of knowledge, his eagerness to help, and his positive attitude!"

- Johanna, New York


"I have used many GA’s in my career. BUA is the very best at knowing how to navigate the underwriting process with each carrier. Their in-house underwriter helps me to place cases by assisting me to choose the right insurance company for my client’s health issues and qualifications.  When underwriting surprises occur, the unbiased approach of BUA’s underwriter helps me to determine if a better offer could be available by switching the case to a different insurance company.  The BUA process helps me to provide the very best service to my clients."

- Steve, Ohio