Market access

Direct answer

Market access means comparing multiple carrier appetites and forms to find fit in price and coverage.

Why it changes price

  • Different carriers price the same risk differently because appetite and tiering vary.
  • Policy forms and endorsements differ, so “cheaper” can be a structural change, not better pricing.
  • True shopping is comparing like-for-like coverage across carriers that want your profile.

Decision rule

If pricing is an appetite mismatch, use independent market access; if not, adjust structure first.

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