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.

Insurance License Company


An insurance carrier, also called an insurance provider or an insurance company, is the financial resource behind the coverage provided in an insurance policy.  It is the issuer of the policy and the one who charges the premium and pays for losses and claims covered under the policy. In return for charging a certain premium, the insurance company promises to pay the insured for certain financial losses due to various covered claims’ scenarios.  Some insurance carriers also provide loss control services to help nonprofits avoid claims.  Nevertheless, the distinct difference between a broker and an insurance carrier is that the insurance company bears the financial risk while the broker provides advice.

Insurance Card


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In his memoir “Am I Being Too Subtle?” Sam Zell, a billionaire investor and chairman of Equity International, writes, “I’m always on the lookout for anomalies or disruptions in an industry, in a market or in a particular company…. Any event or pattern out of the ordinary is like a beacon telling me some new interesting opportunity may be emerging.”


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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