If you have a persuasive personality, a strong aptitude for working with numbers and a desire to help others, you might enjoy a career as an insurance salesperson. Your options include a path as an insurance broker or insurance agent. While both occupations involve the sale of insurance policies, there are also some important differences to consider.

Home insurance Company


Analysis: That just means that your incumbent insurer’s underwriter won’t approve that coverage. The broker isn’t willing to do what’s needed to get the deal done, which is shopping the coverage to other insurers — exactly what brokers are supposed to do. It’s clear that this is the case, because on occasions when a second broker appears to bid on your business, you’ll find that suddenly the coverage you wanted becomes available after all.
Because an insurance broker is third-party, they receive a commission for their services. The broker’s compensation is typically provided by the insurance carrier as a percentage of the policy premium. The broker may also charge a flat fee for their services, but the nonprofit should be informed of what additional services they will receive before agreeing to such a fee.  Most nonprofit brokers do not charge additional service fees.

Insurance Broker


Group life insurance (also known as wholesale life insurance or institutional life insurance) is term insurance covering a group of people, usually employees of a company, members of a union or association, or members of a pension or superannuation fund. Individual proof of insurability is not normally a consideration in its underwriting. Rather, the underwriter considers the size, turnover, and financial strength of the group. Contract provisions will attempt to exclude the possibility of adverse selection. Group life insurance often allows members exiting the group to maintain their coverage by buying individual coverage. The underwriting is carried out for the whole group instead of individuals.
Health questions can vary substantially between exam and no-exam policies. It may be possible for individuals with certain conditions to qualify for one type of coverage and not another.[citation needed] Because seniors sometimes are not fully aware of the policy provisions it is important to make sure that policies last for a lifetime and that premiums do not increase every 5 years as is common in some circumstances.[citation needed]

Insurance Insider Company


Where the life insurance is provided through a superannuation fund, contributions made to fund insurance premiums are tax deductible for self-employed persons and substantially self-employed persons and employers. However where life insurance is held outside of the superannuation environment, the premiums are generally not tax deductible. For insurance through a superannuation fund, the annual deductible contributions to the superannuation funds are subject to age limits. These limits apply to employers making deductible contributions. They also apply to self-employed persons and substantially self-employed persons. Included in these overall limits are insurance premiums. This means that no additional deductible contributions can be made for the funding of insurance premiums. Insurance premiums can, however, be funded by undeducted contributions. For further information on deductible contributions see "under what conditions can an employer claim a deduction for contributions made on behalf of their employees?" and "what is the definition of substantially self-employed?". The insurance premium paid by the superannuation fund can be claimed by the fund as a deduction to reduce the 15% tax on contributions and earnings. (Ref: ITAA 1936, Section 279).[27]

To sell insurance products on behalf of a particular insurer, an agency must have an appointment with that insurer. An appointment is a contractual agreement that outlines the specific products the agency may sell. It also specifies the commissions the insurer will pay for each product. The contract usually describes the agency's binding authority, meaning its authority to initiate a policy on the insurer’s behalf. The agent may have permission to bind some types of coverage but not others.


Living near a full-time fire station with a nearby hydrant plays a role in your home insurance rates. The reason an insurer wants a home near a fire department and hydrant is that there is less chance of your home burning down if you live near a fire station. Having a hydrant nearby also means that firefighters can start battling a house fire faster than if the hydrant is down the street -- or even miles away.
Of all our top picks, The Hartford has the fewest number of discounts: three of them, to be precise, for bundling policies, home security devices, and retirees. But that doesn’t necessarily mean you’ll pay more for your home insurance. Just because a company offers 12 discounts doesn’t mean you’ll qualify for all (or any) of them, so it’s always worth comparing quotes instead of solely counting discounts.
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Sure. The liability portion of your homeowners insurance kicks in if someone is accidentally injured on or around your property. Say they slip on an icy sidewalk or your dog bites them. So long as there are no exclusions (which is possible, particularly with certain dog breeds), liability insurance will pay for that person's medical expenses and any court costs you incur if they sue. Liability insurance also covers property damage caused unintentionally by you or your family members, like if your kid breaks a neighbor's window while playing catch in your yard.
By hitting submit, I agree to receive autodialed calls and texts from Aflac, an independent contractor Aflac associate, and an Aflac Partner, such as Sutherland Global Services, MG LLC d/b/a TRANZACT or Clear Link Insurance Agency, LLC working at Aflac’s request, at the number provided. Message and data rates may apply. I understand I may also receive text messages about the status of my Aflac application and am not required to provide my consent as a condition of accessing Aflac’s website or purchasing Aflac’s products.
As with most good insurance companies, you can get a quote from State Farm online. But State Farm’s process involves extra-detailed questions about the construction of your home, down to the percentage of carpet-covered floors and the number of corners in your home’s framing. We recommend arming yourself with floor plans, your insurance history, a home inventory, and specific details of your home’s construction so there won’t be any surprises when it's time to sign a policy contract. The upside is that all of these details provide you with an accurate quote and an exceptionally well-fitted policy.

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Insurance Brokers work the consumer vs. insurance agents who work for the insurance company.  Brokers are very knowledgeable with both personal and commercial insurance. Utilizing state-of-the-art rating software to find the most affordable insurance policies to fit your needs and budget. Insurance Brokers save time, money and energy when shopping for lower cost insurance.
Progressive offers a unique Inflation Guard endorsement that will dynamically adjust coverage amounts to keep up with inflation, so the money you’ll need for repairs will be sufficient even as the market’s construction costs rise. Its coverage extends to cover things like pools, sheds, and fences at no additional cost. Progressive also offers a watercraft endorsement that allows you to extend your personal liability and medical coverage to small sailboats and motor boats.
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Green Rebuilding – Increases your policy limits up to 10% when you use green, environmentally friendly materials or processes for repairs and rebuilds after a covered loss. For example, if a room in your home is destroyed by a covered loss, and you decide to repaint it using environmentally friendly paint that has a low VOC, replace flooring that is from an easily renewable resource, and use demolition techniques that are better for the environment , and any extra costs could be covered by this endorsement.

Insurance Comparison Company


Owning a home is an accomplishment and an asset, one that deserves safeguarding. The best homeowners insurance providers offer financial strength, coverage options, and great customer service. It also comes at a great price for your unique circumstances. Use our quote tool to compare rates from several providers and find which offers you the best coverage for the best price.

Auto Insurance Company


If you aren't sure which policies you need, our Policy Buddy tool can help you find out in about two minutes. You can also talk with our agents, who specialize by industry. So if you own a bagel shop, your agent will have experience insuring food businesses. Their expertise means they can answer your questions and make sure you aren't paying for extra coverage you don't need.
Progressive’s service varies heavily by state. As the company explains, “Insurance through the Progressive Home Advantage program is underwritten by select companies that are not affiliates of Progressive and are solely responsible for claims, including Homesite Group Incorporated, IDS Property Casualty Co., and ASI Lloyds, and their affiliates.” Basically, Progressive isn’t selling its own homeowners insurance, but has partnered with another company (the one that will pay your claim) in order to offer that insurance to its customers. If you’re already a Progressive customer, no need to stray. If you’re considering opening a policy with Progressive, though, be aware that your options for discounts and coverage will vary by state.
Mores also gave the name actuary to the chief official—the earliest known reference to the position as a business concern. The first modern actuary was William Morgan, who served from 1775 to 1830. In 1776 the Society carried out the first actuarial valuation of liabilities and subsequently distributed the first reversionary bonus (1781) and interim bonus (1809) among its members.[7] It also used regular valuations to balance competing interests.[7] The Society sought to treat its members equitably and the Directors tried to ensure that policyholders received a fair return on their investments. Premiums were regulated according to age, and anybody could be admitted regardless of their state of health and other circumstances.[9]
Of course, there is nothing stopping consumers from utilizing all of these resources — other than the time it takes to conduct research and compare policies. Regardless of which route you take, it is always worthwhile to check with organizations such as AAA or the Better Business Bureau, as well as your personal network for referrals, recommendations and reviews, to find the insurance professional that is right for you.

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Our Film & Television specialists are well-connected in the entertainment world, and have solid relationships with producers, creative professionals and insurance carriers. We are creative and passionate about each project, and provide innovative products with the dedicated service you need to get your production off the ground. With a list of clientele that include Academy Award and Emmy winners, it's no wonder that Momentous is the trusted broker of choice.
In the same vein of guaranteeing robust policies, we also wanted to see a range of endorsements (optional provisions that extend coverage in various ways). The more endorsements offered, the greater the possibility of filling in any gaps that your home and location demand. Earthquake coverage, for example, is a common endorsement for Los Angeles homes.
The Premier package comes with the highest limits and coverage on personal property, and can include Guaranteed Replacement Cost coverage for your home if certain requirements are met. When Guaranteed Replacement Coverage applies, Farmers will reimburse 100% of the cost of rebuilding after a covered loss on the same premises, regardless of your policy’s limits.

Insurers review many factors when calculating your home insurance rate. Some of these variables are beyond your control, but you do have some influence over how much you pay for home insurance. By pricing other insurers every few years at least, choosing a higher deductible, making sure you get all the discounts that you can and not filing too many claims, you can do your part to get the lowest insurance rates possible for your home. We'll explain these topics in detail:


In times of need, we stand by you. We’re here to make sure you have the right coverage for your needs. And should an accident occur, our claims service will be there to help when you need it most. If you’re comparing our quote or policy to another insurer, be sure to understand the value of the coverage you’re considering. Compare apples to apples. Make sure driver and vehicle information are the same. Our auto policy is the only one backed by an On Your Side promise.
How you buy your Progressive Home Advantage policy — directly through us (online, by mobile device or by phone) or through an independent agent/broker rather than PAA — determines which insurers are available to you. Use the link above to get a rate from one of the insurers. Or contact us to see if we can get you a rate from any of the other insurers. Policies sold through agents and brokers are available from them and through Progressive.com/agent.
Policy benefits are reduced by any outstanding loan or loan interest and/or withdrawals. Dividends, if any, are affected by policy loans and loan interest. Withdrawals above the cost basis may result in taxable ordinary income. If the policy lapses, or is surrendered, any outstanding loans considered gain in the policy may be subject to ordinary income taxes. If the policy is a Modified Endowment Contract (MEC), loans are treated like withdrawals, but as gain first, subject to ordinary income taxes. If the policy owner is under 59 ½, any taxable withdrawal may also be subject to a 10% federal tax penalty.
Our Employee Benefits team is acutely aware of the need to provide your employees with the appropriate benefits, while simultaneously ensuring the costs remain affordable to both you and your employees. Our experts take a proactive and consultative approach to doing business, and our goal is to not only help you retain your competitive edge, but to make benefit plan administration seamless for you. We go above and beyond for each client, acting as an advocate in price negotiation and dispute resolution in claims and billing scenarios.
You can add optional coverage to your homeowners insurance policy, but you can also purchase separate insurance policies that offer more protection. Flood protection is not included in most home insurance policies, so to help protect your home against floods, you'll likely need to purchase flood insurance. You can also get liability protection beyond your current home and auto policy limits with personal umbrella insurance.
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The cheapest car insurance, period, will likely be the minimum coverage required in your state. In most states this is liability insurance only, which covers property damage and medical bills for others due to accidents you cause. Some states also require uninsured and underinsured motorist coverage, which pay for your injuries or damage if an at-fault driver doesn’t have enough insurance.

Premiums paid by a policyholder are not deductible from taxable income, although premiums paid via an approved pension fund registered in terms of the Income Tax Act are permitted to be deducted from personal income tax (whether these premiums are nominally being paid by the employer or employee). The benefits arising from life assurance policies are generally not taxable as income to beneficiaries (again in the case of approved benefits, these fall under retirement or withdrawal taxation rules from SARS). Investment return within the policy will be taxed within the life policy and paid by the life assurer depending on the nature of the policyholder (whether natural person, company-owned, untaxed or a retirement fund).

When comparing car insurance quotes, it helps to compare apples to apples; in other words, you want to be sure that the quotes you get are for identical - or at least very similar - auto insurance policies. Once you have a better idea of the type of coverage you’re looking for in a policy, this will be easy. To better understand coverage types start here


Of course, there is nothing stopping consumers from utilizing all of these resources — other than the time it takes to conduct research and compare policies. Regardless of which route you take, it is always worthwhile to check with organizations such as AAA or the Better Business Bureau, as well as your personal network for referrals, recommendations and reviews, to find the insurance professional that is right for you.
The benefit to you is enormous. Boomer Benefits provides back-end policy support that you cannot get directly from an insurance company and that none of our competitors offer: a dedicated Client Service Team for our existing policyholders only with 10 full-time employees on call to immediately fix very common Medicare hiccups which are otherwise stressful for you.
Analysis: When a broker says that, it means another broker has made a submission to the insurer in your name. That’s most likely the incumbent broker. In fact, the incumbent may have submitted your name to 10 insurers — often, without your approval or even your knowledge. This is a disguise. The incumbent appears to be shopping for a better deal on your behalf, while the actual motive is to freeze out competitors.
Most people are familiar with or have worked with an insurance agent at some point in their lives. However, a broker has an entirely different role from an insurance agent. Unlike insurance agents, insurance brokers do not work for an insurance company. They work for their clients, providing advice on the best insurance options for their clients’ needs. Their goal is to support their clients’ interests — not to sell a particular policy on behalf of an insurance company.

Negligence on the part of insurance brokers can have severe effects upon clients when they discover their insurance coverage is worthless, which in turn illustrates why retaining a competent insurance broker is so important. In one case, Near North Entertainment Insurance Services provided alternative rock band Third Eye Blind with a commercial general liability (CGL) insurance policy that excluded coverage for the "entertainment business." After insurance coverage for a lawsuit was denied because Third Eye Blind was and is, after all, in the entertainment business, the California Court of Appeal ruled in a published opinion that the broker had a duty to advise the band it needed something more than a basic CGL policy.[4]


Credit score, location, condition of plumbing and electrical, vulnerability to wind damage/earthquakes/floods, claim history, replacement cost, dog breed, wood-burning stove, home-based business, remodeling, home liability limits, insurance score, marital status, age and construction of home, trampoline or swimming pool or hot tub, roof condition, proximity to fire station, square footage, number of inhabitants, area claim history, security systems and safety features, etc.

Brokers are not appointed by insurers. They solicit insurance quotes and/or policies from insurers by submitting completed applications on behalf of buyers. Brokers don't have the authority to bind coverage. To initiate a policy, a broker must obtain a binder from the insurer. A binder is a legal document that serves as a temporary insurance policy. It usually applies for a short period, such as 30 or 60 days. A binder is not valid unless it has been signed by a representative of the insurer. A binder is replaced by a policy.
2Partial withdrawals and surrenders from life policies are generally taxed as ordinary income to the extent the withdrawal exceeds your investment in the contract, which is also called the "basis." In some situations, partial withdrawals during the first 15 policy years may result in taxable income prior to recovery of the investment in the contract. Loans are generally not taxable if taken from a life insurance policy that is not a modified endowment contract. However, when cash values are used to repay a loan, the transaction is treated like a withdrawal and taxed accordingly. If a policy is a modified endowment contract, loans are treated as a taxable distribution to the extent of policy gain. On a modified endowment contract, loans, withdrawals and surrenders are treated first as distributions of the policy gain subject to ordinary income taxation, and may be subject to an additional 10% federal tax penalty if made prior to age 59½. Loans, if not repaid, and withdrawals reduce the policy's death benefit and cash value.
Recently, viatical settlements have created problems for life insurance providers. A viatical settlement involves the purchase of a life insurance policy from an elderly or terminally ill policy holder. The policy holder sells the policy (including the right to name the beneficiary) to a purchaser for a price discounted from the policy value. The seller has cash in hand, and the purchaser will realize a profit when the seller dies and the proceeds are delivered to the purchaser. In the meantime, the purchaser continues to pay the premiums. Although both parties have reached an agreeable settlement, insurers are troubled by this trend. Insurers calculate their rates with the assumption that a certain portion of policy holders will seek to redeem the cash value of their insurance policies before death. They also expect that a certain portion will stop paying premiums and forfeit their policies. However, viatical settlements ensure that such policies will with absolute certainty be paid out. Some purchasers, in order to take advantage of the potentially large profits, have even actively sought to collude with uninsured elderly and terminally ill patients, and created policies that would have not otherwise been purchased. These policies are guaranteed losses from the insurers' perspective.

Unlike GEICO, Esurance, and other “direct writers”, independent agents are a part of your community and are there to help whenever you need it. Unlike American Family Insurance, Farmers Insurance, State Farm Insurance, and other “captive” agents, an independent insurance agent works with many different insurance companies. Atlas agents automatically compare quotes from up to 50, which saves you time & money.

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†One Day PaySM is available for certain individual claims submitted online through the Aflac SmartClaim® process. Claims may be eligible for One Day Pay processing if submitted online through Aflac SmartClaim®, including all required documentation, by 3 p.m. ET. Documentation requirements vary by type of claim; please review requirements for your claim(s) carefully. Aflac SmartClaim® is available for claims on most individual Accident, Cancer, Hospital, Specified Health, and Intensive Care policies. Processing time is based on business days after all required documentation needed to render a decision is received and no further validation and/or research is required. Individual Company Statistic, 2018.
Policy benefits are reduced by any outstanding loan or loan interest and/or withdrawals. Dividends, if any, are affected by policy loans and loan interest. Withdrawals above the cost basis may result in taxable ordinary income. If the policy lapses, or is surrendered, any outstanding loans considered gain in the policy may be subject to ordinary income taxes. If the policy is a Modified Endowment Contract (MEC), loans are treated like withdrawals, but as gain first, subject to ordinary income taxes. If the policy owner is under 59 ½, any taxable withdrawal may also be subject to a 10% federal tax penalty.
Your home's claims history -- The claims history includes both your filed claims and ones that previous owners filed. If you file more than one claim in a 10-year period, you can expect your insurance rates to increase. They'll increase even more if you file more home claims. That could even cause your insurance company to drop you because you're considered too much of a risk.
Yes.  MetLife’s one year term products (including products underwritten by Metropolitan Tower Life Insurance Company and Metropolitan Life Insurance Company ) offer affordable protection when you require insurance for the short term. These products are designed to provide the right amount of protection when it’s needed most, or to supplement a policy you already have. Premium rates can be found here. For more information contact MetLife's Specialized Benefit Resources at 877-638-3932, and press 2 for New Business.
You will find independent insurance agents represent many of the same insurance companies offered by local insurance agents.  The biggest benefit is the time savings individuals and business will find.  Because the selection of insurance companies for personal, commercial and life insurance is so comprehensive you don't have to contact several agents for quotes.  An independent insurance agent may represent 5 to 10 insurance companies. 
Although insurance brokers work for their clients, they aren’t paid by them. Instead, they make commissions based on their sales. The commission is a percentage of the premium cost and varies by state law. It usually is between two and eight percent of the premium. If you work with a broker to buy homeowners, automobile, health, business, life or any other type of insurance, you will not pay them a fee for the services they provide.
If you make any home improvements or security upgrades, you might be able to reduce your premium — but only if you tell your insurer. Before investing in any renovations on your home, double-check what discounts are available. Chances are you already have the basics down, such as deadbolts and smoke alarms. But your insurer may reduce your rate if you go the extra mile with carbon monoxide detectors and home security systems (provided they're monitored). That also extends to improvements that help guard against natural disasters, like storm shutters and stronger windows. However, not every addition will help your premium. Trampolines, swimming pools, and “risky” dog breeds such as pit bulls will make your homeowners insurance company cringe. They’re all liability concerns, and liability concerns make rates go up.
In times of need, we stand by you. We’re here to make sure you have the right coverage for your needs. And should an accident occur, our claims service will be there to help when you need it most. If you’re comparing our quote or policy to another insurer, be sure to understand the value of the coverage you’re considering. Compare apples to apples. Make sure driver and vehicle information are the same. Our auto policy is the only one backed by an On Your Side promise.
USAA also garners impressive marks for financial strength. As of 2018, the provider holds an “A++” from A.M. Best, “AA+” from S&P Global, and “Aa1” from Moody’s. Out of our top picks, only State Farm rivals those scores. Such high financial ratings mean that USAA can be counted on to pay claims regardless of size or circumstance — even if the market takes a downturn or a large-scale disaster requires the company to pay out on many claims at once. In other words, homeowners insurance from USAA is truly a safe investment.
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We’d never recommend picking an insurance company based on price alone. The entire point of carrying insurance is to be taken care of in rough times. When that time comes, a super cheap policy with paper-thin protection won’t be worth even the tiny premiums you paid for it. Plus, rates aren’t one-size-fits-all — a ton of factors impact your home insurance quote: everything from the age of your house and its neighborhood statistics, to your geographic area and its natural disaster risk. We already surfaced a collection of great companies in our review of the best homeowners insurance companies. Here, we identify which among them offer the greatest value by isolating customers’ satisfaction with pricing relative to their coverage.

Green Rebuilding – Increases your policy limits up to 10% when you use green, environmentally friendly materials or processes for repairs and rebuilds after a covered loss. For example, if a room in your home is destroyed by a covered loss, and you decide to repaint it using environmentally friendly paint that has a low VOC, replace flooring that is from an easily renewable resource, and use demolition techniques that are better for the environment , and any extra costs could be covered by this endorsement. 

Group life insurance (also known as wholesale life insurance or institutional life insurance) is term insurance covering a group of people, usually employees of a company, members of a union or association, or members of a pension or superannuation fund. Individual proof of insurability is not normally a consideration in its underwriting. Rather, the underwriter considers the size, turnover, and financial strength of the group. Contract provisions will attempt to exclude the possibility of adverse selection. Group life insurance often allows members exiting the group to maintain their coverage by buying individual coverage. The underwriting is carried out for the whole group instead of individuals.
Within Australia there are also a number of industry bodies that issue professional accreditations to members that comply with best standards of professional practice and integrity and maintain up to date skills and knowledge. The two main accreditations are the ANZIIF[12] CIP (certified insurance professional) and NIBA[13] QPIB (qualified practicing insurance broker) qualifications.
An insurance broker is experienced in different types of insurance and risk management. They help individuals and companies procure insurance for themselves, their homes, their businesses or their families. Brokers may focus on one particular type of insurance or industry, or they could provide advice on many different types of insurance. They provide a service to their customers in helping them find and buy insurance — usually at no cost to their client.
You can add optional coverage to your homeowners insurance policy, but you can also purchase separate insurance policies that offer more protection. Flood protection is not included in most home insurance policies, so to help protect your home against floods, you'll likely need to purchase flood insurance. You can also get liability protection beyond your current home and auto policy limits with personal umbrella insurance.
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A homeowners insurance policy usually covers four incidents on the insured property – interior damage, exterior damage, loss or damage of personal assets/belongings, and injury that arises while on the property. When a claim is made on any of these incidents, the homeowner will be required to pay a deductible, which in effect is the out-of-pocket costs for the insured. For example, a claim is made to an insurer on an interior water damage that occurred in a home. The cost to bring the property back to livable conditions is estimated by a claims adjuster to be $10,000. If the claim is approved, the homeowner is informed of the amount of his or her deductible, say $4,000, according to the policy agreement entered into. The insurance company will issue a payment of the excess cost, in this case $6,000. The higher the deductible on an insurance contract, the lower the monthly or annual premium on a homeowners insurance policy.

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I've been with Al Boenker Insurance for years and years and LOVE them! When we needed to insure two teenage drivers, Al Boenker was the ONLY insurance carrier who delivered a rate that didn't break the bank. When we figured out how much we could save by rolling our home and car together... it was a no brainer. STILL glad we said, "Thanks AL" and STILL saving money today.

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