You asked, and Underwriting listened! Based on feedback from our Agency Partners, we’ve rolled out another round of guideline enhancements designed to remove hurdles, simplify submissions, and help you write and keep more business with PTI. Want to dig into the details? Check out our latest underwriting resources

Here’s what’s new:

• Expanded 4-Point Inspection eligibility from 90 days to 12 months
• More flexibility for roof documentation requirements
• More options for properties without prior insurance
• Fewer submissions resulting in Underwriting Referrals (URs), including
  • Broadened acceptance of addresses previously insured by PTI, resulting in fewer Red Bar referrals
  • An increased High-Value Home underwriting review threshold of $2 million Coverage A for HO-3 policies

Want to dig into the details? Check out our latest underwriting resources:

Underwriting Snapshot

Product Comparison Guide

NEW! PTI Underwriting Updates – Summer 2026

Our Summer Sales Incentive runs through October 31, so there’s still time to turn more qualifying new business into BIG bonus commissions.

New month, new chance to earn more! The incentive resets every month, so you get a fresh start to rack up more bonus commission.

With easier underwriting guidelines and more opportunities to write business, now is the time to stay on a roll!

September is Life Insurance Awareness Month, making it a great time to start an important conversation with your policyholders about protecting their family’s financial future.

Through our partnership with Ladder Life, offering life insurance to your clients is faster and simpler than ever. Ladder’s 100% digital experience makes it easy to provide coverage quotes and guide clients through a seamless online application process.

💡 A Few Life Insurance Facts Worth Picking Up

The Price Perception: More than 50% of Americans overestimate the cost of life insurance by as much as three times its actual price.

⏱️ Instant Approvals: Clients applying for up to $3 million in coverage can receive an instant decision online with no medical exam, just straightforward health questions.

📉 Flexible Coverage: Ladder lets policyholders adjust their coverage amount online as their life goals and financial needs change.

🤝 Easy Client Tracking: Keep tabs on your policyholder’s quote and application status right from the PTI Agency Partner Portal.

Quote Life Insurance in the Agency Partner Portal or contact Agency Support at 561-235-7004 with any questions

More choices are making waves in the PTI Flood Rater!

Flood Risk Solutions (FRS) is now live as our newest carrier option, giving you even more flexibility and competitive options when quoting primary and excess flood coverage for residential and commercial clients, all without leaving the portal you already use!

What FRS Brings to Your Agency:

🌊 Expanded Flood Capacity: Access primary and excess private flood coverage options backed by top-rated carriers.

⚡ Seamless Quoting: Quote FRS alongside your other carrier options directly inside the PTI Flood Rater, making comparisons fast and easy.

🏠 Flexible Property Solutions: Find competitive options for Primary Flood Policies or FRS’s Preferred Risk Policy (PRP), a cost-effective flood insurance option.

More options mean more opportunities to find the right flood protection for your clients before the next storm rolls in.

Log into the Agency Partner Portal today to start quoting Flood, or contact PTI Flood at 561-417-1111 with any questions.

Whether you’re writing a homeowners policy, exploring life insurance for a client, comparing flood options, or taking advantage of the latest underwriting enhancements, we’re always looking for ways to make working with People’s Trust Insurance as seamless as possible.

And you never have to navigate it alone. Our Agency Support Team is always here to answer questions, help you find what you need, and keep your business moving forward.

Here’s to a September filled with more opportunities, smoother submissions, and plenty of reasons to keep growing with PTI!

Warm regards,

The People’s Trust Insurance Agency Team