VERTICALLY INTEGRATE INSURANCE INTO YOUR MORTGAGE BUSINESS IN UNDER 10 SECONDS, CLICK HERE TO LEARN MORE
Features
United Risk Insurance Platform
We wanted a way to reduce friction for borrowers during the home loan process as they obtained insurance. We were frustrated by slower insurance agents that don’t understand the pressures of making a closing date.
Discover the Difference
URB Platform Features
Quick Quote
Satisfy UWM’s Early CD process with our Quick Quote. Just upload the 1004 application, then an insurance Quick Quote Instantly emailed.
Top of Mind
We touch our insurance clients on average 7.4X per year. Every time we communicate to them, we remind them of who their awesome LO is, keeping you top of mind!
Earn Commission
We want you doing what you do best, selling home loans. All you do is upload the 1004 to our platform and we do the rest.
*Must be licensed insurance agent
38 State Coverage
We’re constantly growing, check back soon if we’re not in your state yet!
Independent
We’re an independent insurance agency, which gives us the freedom to shop your borrowers insurance out the multiple companies, insuring a great product at a great price
Service
Can’t get ahold of your insurance agent on Friday afternoon to update HOI since realtors moved up closing up to Monday morning? That won’t happen here, we have a full staff to handle all your insurance needs.
FAQs About UnitedRiskBrokers
What is United Risk
United Risk is an insurance platform built for Loan Originator’s, we were tired of the sub-par service we were getting from our insurance relationships, and have built a seamless referral process with tons of added value to the LO.
How do I refer a file to United Risk?
All the LO does is download the borrower’s 1004 out of their LOS, and upload to our portal. An insurance quote is instantly produced, and emailed to the LO and the borrower. At that point we will reach out to the borrower, and work with them to finalize the quote, sell the policy, and get insurance docs to the LO.
Will you harass my borrower?
NO!!! This was a big complaint we had when we would refer to other large insurance agencies. We send the borrower an email campaign to “opt-in” to get a finalized quote. We are here if they want to use us, but we are legally not allowed to text them without their consent.
How can United Risk help me as a loan originator?
We want to help speed up your submissions, specifically with the UWM Early CD process. Providing an instant quote allows you to submit to UW with an insurance quote quickly and with no work. Once the borrower has purchased an insurance policy, we talk to them multiple times throughout the year. When we talk to them, we remind them who their friendly Loan Originator is, keeping you top of mind.
Will United Risk create more work for me?
NO! This was important for the platform we built. We want LO’s to focus on being great LO’s, not worried about dec pages and mortgagee changes. Download 1004, upload 1004 to us, and the LO is done… United Risk handles the rest!
Do I have to get an insurance license to use United Risk?
We have 3 plans: Basic, Pro, & Enterprise. The basic plan is available to all LO’s. We are legally unable to share any of the commission with you, but we promise to do an amazing job taking care of your clients and you. We are constantly rolling out additional value to the LO’s on this plan, that they can use them for free. Pro & Enterprise require an insurance license.
Can I write off my 1099 expenses?
If you are on a Pro or Enterprise plan, you will receive a 1099 for the income you earned that year. Speak to your tax advisor on specific write off questions.
What insurance carriers do you represent?
We are an independent agency, and constantly vetting and adding new carriers. Some, but not all of the carriers we represent, are Travelers, Nationwide, Progressive, Safeco, Stillwater, Allstate, & Openly.
What states are you licensed in?
We have access to carriers in 36 states, states we are NOT licensed in are: CA, TX, FL, WA, ID, NM, NE, AR, LA, MS, WI, HI, AK, & WV Check back often as we are constantly adding additional states and carriers and plan to have 50 state access in the coming months.
Why is United Risk the best place to send my insurance referrals?
We are an insurance agency, run by mortgage brokers. We are in the trenches with you daily on getting loans closed, and understand the LO’s pain points when it comes to insurance. Insurance is historically a dinosaur industry, run by seasoned financial minds, with little attempt for growth and innovation. We want to become a true partner and help you grow your business!