In this episode of This Is Ag, I sit down with Sachin Varma, Chief Underwriting and Product Officer at UnitedAg, to discuss how financial strategy, transparency, and empathy intersect in healthcare for the agriculture industry.

Sachin shares his 25+ years of underwriting experience and how UnitedAg challenged his traditional, numbers-driven approach. Instead of treating clients as spreadsheets, he’s learned to prioritize relationships, with members, employers, and service reps, understanding that every ag employer has unique needs.

We talk about rebuilding financial strength after COVID, supporting members without passing on heavy costs, and why understanding the people behind every number matters more than ever. UnitedAg chooses instead to grow strategically and sustainably. We also emphasize the organization’s commitment to transparency, openly sharing models and financial data so members understand what drives their costs.

Overall, this is a story about leading with heart in an industry built on hard work. About keeping healthcare affordable, building trust through transparency, and remembering that behind every claim is a person. As Sachin puts it, empathy and listening are just as essential to underwriting as data and risk analysis.

Sachin Varma - https://www.linkedin.com/in/sachin-varma-05a94462/

Kirti Mutatkar, President and CEO of UnitedAg. 

Reach me at [email protected], www.linkedin.com/in/kirtimutatkar
UnitedAg website - www.unitedag.org

UnitedAg Health and Wellness Centers - https://www.unitedag.org/health-benefits/united-agricultural-benefit-trust/health-centers/

Episode Contributors - Sachin Varma, Kirti Mutatkar, Dave Visaya, Rhianna Macias, Aniket Mutatkar

The episode is also sponsored by Brent Eastman Insurance Services Inc. - https://brenteastman.com

Blue Shield of California - https://www.blueshieldca.com

Elite Medical - https://www.elitecorpmed.com

Gallagher - https://www.ajg.com/

SAIN Medical https://sainmedical.com/

MDI Network - https://www.mdinetworx.com/about-us