Joseph Romak MS, FLMI

Director of Underwriting

Joseph Romak

With over thirty years of life insurance underwriting and risk selection experience, Joe joins Sage as a seasoned professional whose specific familiarity with underwriting manual policy and practice, testing thresholds and preferred class parameters in conjunction with actuarial pricing constraints, equips him with an unparalleled skill set to create underwriting rationales that supplement medical and financial records submitted to life insurance carriers. His expertise facilitates carrier acceptance and the ultimate placement of business. Other areas of expertise include resolving reinsurance issues and developing favorable carrier relationships.

Prior to joining Sage, Joe was a partner at Professional Financial Services, LP where he pioneered reinsurance company acceptance of Capital Transfer concepts.  For the past 8 years, Joe has managed the new business process as an advocate for clients by effectively positioning large face amount and difficult to issue insurance opportunities.

Joe holds a Masters and Bachelors degree in Biology from Central Connecticut State University, and is a fellow of the Life Office Management Institute and member of the Home Office Life Underwriters Association.  He is also a past President of the Hartford/Springfield Underwriting Association.

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