Though not an absolute separation; an insurance agent is an insurance company's representative by way of agent-principal legal custom. The agent's primary alliance is with the insurance carrier, not the insurance buyer. In contrast, an insurance broker represents the insured, generally has no contractual agreements with insurance carriers, and relies on common or direct methods of perfecting business transactions with insurance carriers. This can have a significant beneficial impact on insurance negotiations obtained through a broker (vs. those obtained from an agent).

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The Hartford is the only home insurance provider officially endorsed by the American Association of Retired Persons (AARP). If you’re an AARP member, you’ll qualify for more benefits thanks to its AARP Home and Auto Insurance Program. But even if you aren’t retired yet, you will be someday, and The Hartford has a special discount for retirees and individuals who work less than 24 hours per week.

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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Safe Auto Group Agency, Inc. will be the agent of record for any quotes issued or policies bound via this website. However, the website and domain are maintained, serviced and published by Millennial Specialty Insurance, LLC. ("MSI"). MSI collects, maintains and stores the data and information collected on and through this website and from third party vendors. Safe Auto Group Agency, Inc. is not responsible for the content or operation of this website or how MSI handles or uses your information. Please reference MSI's Privacy Policy and Terms of Use for further information.
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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.

It's difficult to apply a rule of thumb because the amount of life insurance you need depends on factors such as your other sources of income, how many dependents you have, your debts, and your lifestyle. However, a general guideline you may find useful is to obtain a policy that would be worth between five and 10 times your annual salary in the event of your death. Beyond that guideline, you may want to consider consulting a financial planning professional to determine how much coverage to obtain.
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]
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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This life insurance information is provided for general consumer educational purposes and is not intended to provide legal, tax or investment advice. Life Insurance offered through Allstate Life Insurance Company, Northbrook, IL; Allstate Assurance Company, Northbrook, IL; Lincoln Benefit Life Company, Lincoln, NE and American Heritage Life Insurance Company, Jacksonville, FL. In New York, life insurance offered through Allstate Life Insurance Company of New York, Hauppauge, NY. All guarantees are based on the claims-paying ability of the issuing insurance company. 

Now that you have a better picture of the difference between term and whole life policies, you probably want to compare term life versus whole life insurance costs. To do so, you will need to directly compare the short and long term costs of a whole life policy and a term policy, based on factors like your age, the face value of the policy you want to buy, and whether or not you are a smoker.
Auto insurance isn’t only great protection for your vehicle, it’s also the law. All states require some degree of insurance for your vehicle to protect you and other motorists. Coverage requirements will vary based on your financial responsibility for your car and your state’s requirements. Some states even require you to have liability insurance before you even get a license.
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.
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
Don't forget to ask about the optional protection of a personal umbrella liability policy. Umbrella Coverage from $1,000,000 for individuals wanting higher liability protection. Most home and auto insurance policies stop at $500,000 liability coverage. A personal umbrella policy provides coverage on top of basic auto and home insurance: $1,000,000 to $10,000,000 available.
Dealing with an insurance broker as opposed to directly with an insurer is something many customers (particularly businesses) choose to do in Australia for reasons including: the ease of having the "shopping around done for them"; having the opportunity for premium funding which allows for larger insurance policies to be paid in installments rather than all at once; dealing with one broker for all policies from the car insurance to professional indemnity insurance rather than dealing directly with several insurers; and, the ease of having claims managed by the broker who deals directly with the insurer on the client's behalf.
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.
In that same vein, we were impressed by Nationwide’s “better roof replacement” coverage. This add-on will help pay to repair your roof with stronger, safer materials if it’s damaged by a covered peril. First off, that’s a good thing because a sturdier roof will hold up better in the future. But it’s also important because a better roof means cheaper homeowners insurance rates. So if you know your roof is getting up there in age, it may be worth paying a little extra now for better roof replacement — it could save you money in the long run.
Qualifying status is determined at the outset of the policy if the contract meets certain criteria. Essentially, long term contracts (10 years plus) tend to be qualifying policies and the proceeds are free from income tax and capital gains tax. Single premium contracts and those running for a short term are subject to income tax depending upon the marginal rate in the year a gain is made. All UK insurers pay a special rate of corporation tax on the profits from their life book; this is deemed as meeting the lower rate (20% in 2005–06) of liability for policyholders. Therefore, a policyholder who is a higher-rate taxpayer (40% in 2005-06), or becomes one through the transaction, must pay tax on the gain at the difference between the higher and the lower rate. This gain is reduced by applying a calculation called top-slicing based on the number of years the policy has been held. Although this is complicated, the taxation of life assurance-based investment contracts may be beneficial compared to alternative equity-based collective investment schemes (unit trusts, investment trusts and OEICs). One feature which especially favors investment bonds is the '5% cumulative allowance'—the ability to draw 5% of the original investment amount each policy year without being subject to any taxation on the amount withdrawn. If not used in one year, the 5% allowance can roll over into future years, subject to a maximum tax-deferred withdrawal of 100% of the premiums payable. The withdrawal is deemed by the HMRC (Her Majesty's Revenue and Customs) to be a payment of capital and therefore, the tax liability is deferred until maturity or surrender of the policy. This is an especially useful tax planning tool for higher rate taxpayers who expect to become basic rate taxpayers at some predictable point in the future, as at this point the deferred tax liability will not result in tax being due.
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Brokers are licensed by the state or states in which they operate, and they are required to represent their clients’ best interests. This duty helps to ensure that a broker will steer clients to the best insurance for them, rather than to a particular company or to a specific policy. Brokers rely on repeat business from their clients, which also motivates them to make sure that their clients have the best possible coverage. In many cases, brokers may receive an additional commission if you renew your insurance plan — giving brokers an extra incentive to make sure that you have optimal coverage and that you are satisfied with your policies.
This life insurance information is provided for general consumer educational purposes and is not intended to provide legal, tax or investment advice. Life Insurance offered through Allstate Life Insurance Company, Northbrook, IL; Allstate Assurance Company, Northbrook, IL; Lincoln Benefit Life Company, Lincoln, NE and American Heritage Life Insurance Company, Jacksonville, FL. In New York, life insurance offered through Allstate Life Insurance Company of New York, Hauppauge, NY. All guarantees are based on the claims-paying ability of the issuing insurance company.

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5The monthly rate shown is for Preferred Elite based on a Male, age 37. Whole Life Advantage® is a whole life insurance policy issued by Allstate Life Insurance Company, 3075 Sanders Rd, Northbrook IL 60062. Whole Life Advantage is available in most states with series LU11040 or form ICC12A1. In New York, issued by Allstate Life Insurance Company of New York, Hauppauge, NY, and is available with contract NYLU796.
3 Assumes the average cost of a gallon of gasoline is $2.37**. Comparison is based on the average weekly premium for Nebraska Payroll Premium rates industry Class A; Aflac Life Solutions WHOLE LIFE POLICY - Series A68100; Female non-smoker age 18-21. Premiums may vary by coverage type, account, state of issue, and the election of additional/optional benefits.
Products underwritten by Nationwide Mutual Insurance Company and Affiliated Companies. Not all Nationwide affiliated companies are mutual companies, and not all Nationwide members are insured by a mutual company. Subject to underwriting guidelines, review and approval. Products and discounts not available to all persons in all states. Nationwide Investment Services Corporation, member FINRA. Home Office: One Nationwide Plaza, Columbus, OH. Nationwide, the Nationwide N and Eagle and other marks displayed on this page are service marks of Nationwide Mutual Insurance Company, unless otherwise disclosed. ©2019. Nationwide Mutual Insurance Company.
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.
Nice write up. I personally have been able to save with an independent agent. A big concern of mine was finding an agent that worked with more reputable insurance carriers. There seems to be alot of agents who will use non-standard insurance carriers to provide cheaper coverage. I've heard some horror stories about customer service, sub-par adjustments, and claims services. I'd definitely do alot of research into the insurance companies the independent agent is appointed with.
It is your responsibility to evaluate the accuracy, completeness and usefulness of any opinions, advice, services, or other information provided. All information contained on any page is distributed with the understanding that the authors, publishers and distributors are not rendering legal, accounting or other professional advice or opinions on specific facts or matters, and accordingly assume no liability whatsoever in connection with its use. Consult your own legal or tax advisor with respect to your personal situation.
Stranger-originated life insurance or STOLI is a life insurance policy that is held or financed by a person who has no relationship to the insured person. Generally, the purpose of life insurance is to provide peace of mind by assuring that financial loss or hardship will be alleviated in the event of the insured person's death. STOLI has often been used as an investment technique whereby investors will encourage someone (usually an elderly person) to purchase life insurance and name the investors as the beneficiary of the policy. This undermines the primary purpose of life insurance, as the investors would incur no financial loss should the insured person die. In some jurisdictions, there are laws to discourage or prevent STOLI.
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.

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If you choose to get a rate quote online, you will be taken to the Life Quotes, Inc. website that is not owned by GEICO Insurance Agency. Any information that you provide directly to Life Quotes, Inc. on its website is subject to the privacy policy posted on their website, which you should read before proceeding. GEICO Insurance Agency assumes no responsibility for their privacy practices or your use of their website.

Once licensed, an insurance broker generally must take continuing education courses when their licenses reach a renewal date. For example, the state of California requires license renewals every 2 years, which is accomplished by completing continuing education courses. Most states have reciprocity agreements whereby brokers from one state can become easily licensed in another state. As a result of the federal Gramm-Leach-Bliley Act, most states have adopted uniform licensing laws, with 47 states being deemed reciprocal by the National Association of Insurance Commissioners. A state may revoke, suspend, or refuse to renew an insurance broker's license if at any time the state determines (typically after notice and a hearing) that the broker has engaged in any activity that makes him untrustworthy or incompetent.
Insurance agents, often referred to as “captive” agents, typically represent one insurance company. Insurance brokers, on the other hand, represent multiple insurance companies to ensure that you are connected with the right insurance for you. An agent acts as a conduit to provide information to insurance buyers. The insurance buyer then has the option to choose from available policies and contracts from the insurer offered through the agent. These policies and contracts are decided through contractual agreements that the insurance agents have with the insurers to meet certain guidelines.

Products underwritten by Nationwide Mutual Insurance Company and Affiliated Companies. Not all Nationwide affiliated companies are mutual companies, and not all Nationwide members are insured by a mutual company. Subject to underwriting guidelines, review and approval. Products and discounts not available to all persons in all states. Nationwide Investment Services Corporation, member FINRA. Home Office: One Nationwide Plaza, Columbus, OH. Nationwide, the Nationwide N and Eagle and other marks displayed on this page are service marks of Nationwide Mutual Insurance Company, unless otherwise disclosed. ©2019. Nationwide Mutual Insurance Company.


Unless otherwise noted, the graphic images, buttons, layout, and text contained in this website are the exclusive property of SelectQuote Insurance Services and its related, affiliated and subsidiary companies, and may not be copied or distributed, in whole or in part, without the express written consent of SelectQuote Insurance Services. Permission is granted to print copies of this document, and to display and use this document with a computer solely for personal or internal use. Insurance company logos are the exclusive property of the respective insurance companies, and are used with permission.

Before you grab a quote from Progressive, you should know that coverage and discount may vary depending on your state. This is because the company doesn’t back homeowners policies itself, but partners with other companies to offer it to Progressive Auto customers. As the company explains it, “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.”
We catalogued optional coverage additions that can fill gaps in your policy or cater to specific disaster-prone regions. Earthquakes, for example, aren’t covered in a standard policy, but for those living near fault lines, an endorsement that will cover damage resulting from an earthquake is wise. It’s important that insurance companies offer a variety of useful endorsements to help create a policy tailored to your home’s true risks.

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Policies not available in all states. Suicide, misstatement and misrepresentation restrictions may apply. All applications for insurance are subject to underwriting qualification by the specific insurance company to which the application is submitted. Availability of premium rates and policy forms may be changed by each insurer without prior notice. Florida residents, please review carrier and product details here.
Like any other type of insurance, you're in control of your life insurance policy. You determine how much coverage you need (from $50,000 up to a $1 million policy), how long you need it, who's covered and when you make your payments (called premiums). Usually, you can choose to pay monthly, annually or quarterly for 10, 20, 30 years or over your lifetime to maintain the coverage. When you die, if your policy is still active, the people you've listed on your policy (called your beneficiaries) get paid the death benefit. In most cases, this payment is paid in one lump sum to an individual or family.

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The insurance agents at Boomer Benefits work full-time on Medicare-related insurance products. That means our agents are not distracted by trying to sell other specialty forms of insurance. Because of this, we feel confident that our staff members are among the most well-educated Medicare insurance brokers around. We are hands-down the best Medigap insurance broker that we can be.
Liability limits generally start at about $100,000, however, it’s a good idea to discuss whether you should purchase a higher level of protection with your insurance professional. If you have significant assets and want more coverage than is available under your homeowners policy, consider purchasing an umbrella or excess liability policy, which provides broader coverage and higher liability limits.
Of all the variables that affect your premium, the most important will be replacement cost value. This is the amount of money needed to completely rebuild or replace your home in the aftermath of catastrophe. That number isn’t going to be the same as what you paid for your home (it should account for appreciation), nor the market value (which accounts for the plot of land and location). It’s best to hire an independent appraiser to get this number right and then confirm it with an appraiser from your insurance company. Now, the higher the replacement cost, the higher your premium, but don’t be tempted to underestimate it even if you’re eager to trim policy costs. This value is critical — protection against loss is the whole point of carrying insurance.
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Customers claim that Progressive offers reasonable prices and attentive representatives. Our own experiences with Progressive were bolstered by its well-designed online quote tool. Like many insurance companies, Progressive relies on third-party underwriters, and most that do so automatically pair you with a single underwriter in order to produce a quote. Progressive furnishes quotes from several of its underwriting partners and allows you to choose the one that best suits you. This gives you the power to prioritize coverage and price.
Medicare Brokers like Boomer Benefits also often provide simple and easy education to you about how Medicare works. Every year, thousands of Medicare beneficiaries feel frustrated after trying to read the Medicare handbook. At Boomer Benefits, we will educate you by breaking Medicare down into pieces that are easier to understand. This is why we are so well known as the baby boomer’s favorite insurance agency.
The AARP Auto Insurance Program is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in CA by Hartford Underwriters Insurance Company; in WA, by Hartford Casualty Insurance Company; in MN, by Sentinel Insurance Company; and in MA, MI and PA, by Trumbull Insurance Company. The AARP Homeowners Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. In CA, it is underwritten by Property and Casualty Insurance Company of Hartford; in WA, MI, MN, by Trumbull Insurance Company; in MA by Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, Hartford Accident and Indemnity Company; and in PA by Hartford Underwriters Insurance Company. Not available in all states, including FL. Specific features, credits and discounts may vary and may not be available in all states in accordance with state filings and applicable law. Applicants are individually underwritten and some may not qualify. Auto and Home are currently unavailable in Canada and U.S. Territories or possessions.
Base commission is the “normal” commission earned on insurance policies. Base commission is expressed in terms of a percentage of premium and varies by type of coverage. For instance, an agent might earn say, a 10 percent commission on workers compensation policies and 15 percent on general liability policies. Suppose that you purchase a liability policy from the Elite Insurance Company through the Jones Agency, an independent agent. Jones earns a 15 percent commission on general liability policies.
Insurance brokers are paid a commission based on the product you purchase.  It can vary, depending on the type of insurance like: home , auto or business insurance.  Commercial insurance may pay a higher commission since they have complex underwriting requirements and time consuming to find the right company.  They are paid for new and renewal business.  The service is generally FREE to you, but they are required to disclose any potential brokerage fee before making a purchase.  InsuranceBrokers.com does not charge a fee for our service.

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.

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