MetLife has become aware of a recent phishing attack against some of our customers. ‘Phishing’ is a fraudulent attempt to obtain an individual’s personal information, often through a misleading email, text or other online communication. Keeping your personal information secure is a top priority of MetLife. That's why we encourage you to take precautions to protect your personal data, and why we do not ask you to verify your personal or account information by email, text message or online. If you suspect you received a phishing email, please forward it to: [email protected] Delete the email after you forward it, and do not click on any links it contains. If you believe you entered information into a linked website, change your login information immediately. For helpful hints to protect your personal information, visit the following website: https://www.consumer.ftc.gov/articles/0003-phishing
It’s so difficult to call an insurance company and reach a real live person to help you. You go through a bunch of telephone prompts before you reach a representative. Never wait on eternal hold again – at Boomer, we answer your incoming calls, and you will have immediate access to help. Read about the free services you’ll get from our Client Service Team.
For instance, someone who lives in New England near the ocean might not get as much snow as someone 25 miles inland. So, the person along the coast with less snowfall may pay less due to a lower risk of freeze losses. Or, on the other hand, if that person lives right along the coastline, he may pay more because of increased risk of ocean windstorm-related damage.

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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.

Important legal information about the email you will be sending. By using this service, you agree to input your real email address and only send it to people you know. It is a violation of law in some jurisdictions to falsely identify yourself in an email. All information you provide will be used by Fidelity solely for the purpose of sending the email on your behalf. The subject line of the email you send will be "Fidelity.com: "

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Analysis: In what other circumstance do customers sign contracts without seeing them? The full policy language is not presented as part of the proposal. And don’t count on the broker to know, or be able to negotiate, the terms. A broker proposal typically contains language like “Your review of these documents and any review you may seek from legal counsel or insurance consultants is expected and essential.”
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.
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).
To all of those saying "I'd rather do it on my own," you're definitely taking a huge chance, and more than likely are throwing a ton of money away. There are certain fields where you can do things on your own. However, insurance isn't one of those fields that would be advisable to take that course of action. The laws/rules are sky high, and many of these laws and rules change every single year. Trust me, even if you don't think you're throwing money away, you more than likely are. Whether you choose a broker or captive agent captive agent, I would recommend using a professional who has in depth knowledge. I mean, it's free, anyway. Insurance is similar to the legal/lawyer field. If I had a case, I certainly wouldn't want to represent myself.
Our Management Liability specialists average 15 years of experience in structuring risk management programs that protect against various types of executive risk and management liability. Strong relationships with insurance carriers and familiarity with current government legislation and case law mean we can effectively manage your risks in real time—an imperative in this ever-changing business environment.
The materials available at this web site are for informational purposes only and not for the purpose of providing legal advice. You should contact a licensed insurance agent or attorney to obtain advice with respect to any particular issue or problem. Use of and access to this Web site or any of the e-mail links contained within the site do not create a relationship between Insureon and the user or browser. The opinions expressed at or through this site are the opinions of the individual author and may not reflect the opinions of the firm.

Homeowners insurance quotes, in states where Esurance homeowners insurance is not available, are provided by Answer Financial, Inc or Security First Insurance Company for FL residents. Homeowners insurance claims are processed and paid by the underwriting company. Esurance does not underwrite, provide customer service, or pay claims for any homeowners policies sold by Answer Financial or Security First Insurance Company.
Insurance companies have in recent years developed products for niche markets, most notably targeting seniors in an aging population. These are often low to moderate face value whole life insurance policies, allowing senior citizens to purchase affordable insurance later in life. This may also be marketed as final expense insurance and usually have death benefits between $2,000 and $40,000. One reason for their popularity is that they only require answers to simple "yes" or "no" questions, while most policies require a medical exam to qualify. As with other policy types, the range of premiums can vary widely and should be scrutinized prior to purchase, as should the reliability of the companies.

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. 
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.
Simply put, there are six main categories that homeowners insurance covers: your dwelling, other structures, personal property, loss of use, liability, and medical payments. Within each category are particular coverages and exclusions. For example, water damage is covered under “dwelling” as a result of burst pipes or water heater but not as a result of heavy rainfall or flooding (though coverage for the latter can be added separately). And while water damage from the burst pipe is covered, your policy won’t cover the cost of replacing those pipes.

When a mortgage is requested on a home, the homeowner is required to provide proof of insurance on the property before the lending bank can issue him or her a mortgage. The property insurance can be acquired separately or by the lending bank. Homeowners who prefer to get their own insurance policy can compare multiple offers and pick the plan that works best for their needs. If the homeowner does not have their property covered from loss or damages, the bank may obtain one for them at an extra cost. Payments made toward a homeowners insurance policy are usually included in the monthly payments of the homeowner’s mortgage. The lending bank that receives the payment allocates the portion for insurance coverage to an escrow account. Once the insurance bill comes due, the amount owed is settled from this escrow account.

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We got our insurance through a broker and it's been kind of an annoyance. When they were taken over by another company after having the policy for decades we got a non renewal notice which was fine because we were not interested in doing business through them anyway until we found out that non renewal meant no other insurance wanted us and we were forced to buy a new policy through the broker.

7 This coverage pays for the repair or replacement of appliances, electronics and other home systems after a mechanical or electrical breakdown. Equipment Protection Advantage also provides coverage if you want to make “green” upgrades. It pays up to 125 percent of your cost to replace any covered equipment with items that are similar, but more energy efficient or environmentally friendly.

In the United States, brokers are regulated by the state (or states) in which they work. Most brokers are required to have an insurance broker license, which involves taking courses and passing an examination. Each state has different requirements for insurance brokers, which a broker must meet to be licensed in that state. Most states require insurance brokers to take continuing education courses in order to maintain their license.

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A homeowners insurance policy also differs from mortgage insurance, which is typically taken on home buyers making a down payment of less than 20% of the cost of the property. Mortgage insurance covers the lender for issuing a loan to a home buyer who otherwise might not be able to get the loan required. Basically, a homeowners insurance protects the homeowner and a mortgage insurance protects the lender.

Analysis: You’ll likely get better services from outside specialists, but that’s not the overriding factor here. The real problem is that tying services to insurance products makes it disruptive for you to leave your broker. The products and services should be unbundled so that there’s real competition for the big-ticket item: the insurance itself.


If you’re in bargain-hunting mode, Liberty Mutual may be a good place to look for homeowners insurance. It offers a long list of discounts — matching leading companies like State Farm, Allstate, and Nationwide in number — that includes some hard-to-find options we appreciated. For instance, Liberty Mutual is one of only two companies on this list, along with the Hartford, that will cut you a deal if you insure your house for 100% of its value. Other unique discounts include savings for new homes, homes with new roofs, first-time insurance buyers, and customers that set up autopay or pay online.


Fidelity insurance products are issued by Fidelity Investments Life Insurance Company (FILI), 100 Salem Street, Smithfield, RI 02917, and, in New York, by Empire Fidelity Investments Life Insurance Company®, New York, N.Y. FILI is licensed in all states except New York. Other insurance products available at Fidelity are issued by third party insurance companies, which are not affiliated with any Fidelity Investments company. Fidelity Insurance Agency, Inc. is the distributor. A contract's financial guarantees are subject to the claims-paying ability of the issuing insurance company.
Life insurance policies often have hidden costs, such as fees and large commissions, that you may not find out about until after you purchase the policy. There are so many different kinds of life insurance, and so many companies that offer these policies, that you should use a fee-only insurance adviser who, for a fixed fee, will research the various policies available to you and recommend the one that best suits your needs. To ensure objectivity, your adviser should not be affiliated with any particular insurance company and should not receive a commission from any policy.
Example (Comprehensive): You park your car outside during a major hailstorm, and it's totaled. If you have comprehensive, we'll pay out for the full value of your car (minus your deductible amount). Example (Collision): You back out of your garage, hit your basketball hoop, and cause $2,000 worth of damage to your vehicle. If you have collision, we'll then pay for your repairs (minus your deductible amount).
A broker is someone who buys and sells products or assets on behalf of another. Therefore, an insurance broker is someone who acts on behalf of a client, called an insured, to provide them with guidance on what insurance coverage they need and to then assist them in buying that coverage from an insurance carrier. The broker is someone who specializes in insurance and risk management, whose role it is to help their insured nonprofit put together an insurance program of one of more policies that serve to mitigate the financial loss of claims. Essentially, they act as a consultant to the insured.
Industries with a higher percentage of companies that have Beat (Positively Surprised) usually means that something good is happening to that group as a whole for so many companies to be positively surprising. And studies have shown that companies that positively surprise have a greater likelihood of positively surprising in the future (or missing if they've recently missed).
Captive Agents - Captive insurance agents represent just one insurance carrier. In essence, they are employees of the carrier. The upside of working with a captive agent is that he or she has exceptionally thorough product knowledge. The downside is that he/she cannot provide access to products or pricing from outside their respective company. For this reason, you must have a high tolerance for carrier-specific terms, since each carrier and its in-house representatives may use language that is tough to compare across several companies that you encounter. Nevertheless, tap into that exceptional product knowledge and get smarter along the way as you search. The surge in online insurance websites offers consumers yet another option to use as part of their selection strategy. It is easy to find an insurance agent online, particularly one from a national insurance provider. Moreover, with 24-7 online access and quick comparison of policies, these web services are convenient, quick and a great way to ballpark quotes and to give you exposure to a wide variety of insurance providers. When you find one that is appealing to you, give them a call or fill out an agent request online.
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.
For instance, someone who lives in New England near the ocean might not get as much snow as someone 25 miles inland. So, the person along the coast with less snowfall may pay less due to a lower risk of freeze losses. Or, on the other hand, if that person lives right along the coastline, he may pay more because of increased risk of ocean windstorm-related damage.
If your home is already green, that means most of your claims would probably qualify automatically, as long as the repairs remain environmentally friendly. But even if your home isn’t already green, you can still qualify for the Green Rebuilding benefit if you use green materials (low-VOC paint, renewable resources) or processes (environmentally friendly demolition techniques) for repairs.
The questions we ask on our site are used only to determine which insurance companies and products best match your unique needs. Each insurance company bases its final prices on its own criteria. To more accurately match you with the best company, product and policy for your needs, we gather some general health, lifestyle, family history, and contact information on our site. A licensed representative will then review your submission and, if necessary, either call or email you to clarify any outstanding issues and provide you with the information you request.

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Whole life is permanent insurance — you’re insured throughout your lifetime, or until the policy matures, as long as you continue to pay your premiums per terms of the contract. And those premiums will stay level as long as the policy remains in force. Over time, permanent insurance typically accumulates a cash value that can be accessed2 for a variety of purposes while you’re still alive.

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Insurance brokers are in any city you would find insurance agents.  The easiest way to locate local insurance broker is online by simply searching independent insurance agents near me or insurance brokers near me.  Most local brokers are licensed in multiple states so if you have property or vehicles others states you can most likely use the same broker.

Life Insurance

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