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Insurance brokers are employed by insurance companies to help them sell their policies. These brokers are also known as insurance agents. They sell exclusive life insurance policies and are also called ‘captive agents’. Apart from ‘captive agents’ there are independent sales agents, who collect and compare various insurance plans from different companies. They recommend the plans to their clients, matching the individual requirements. These brokers mostly deal with casualty insurance.
Insurance brokers conduct interviews with their prospective clients to analyze their requirements. In case of a life insurance, brokers interrogate the clients about their health conditions and chalk out the risks involved in the case. The agents suggest the appropriate policy that would cover the specific requirements of the client. They also explain in detail, the terms and conditions of the policy, including the payment modes, rates and the benefits associated with the policy. Once the client is convinced, the filled application form with the necessary documents, are sent to the insurance company. These agents help in getting the settlement amount from the company.
Life insurance brokers sell policies that cover the family or the beneficiary in case of the death of the insured. They mostly sell financial products, but are also involved in cross selling of variable annuities, mutual funds and other products providing financial security. In order to sell any kind of insurance product, including life insurance policies, they require a license.
A number of low cost life insurance brokers can be found online. They represent various insurance companies. In order to get quotes about the various options, investors need to fill up an online form. Based on their information, they receive quotes and policy options from these brokers. However, it is important to compare and check the varying costs and benefits, before choosing a policy.
...Low Cost Term Life Insurance Quote- News
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AIG Benefit Solutions Launches ProtectPak Series Offering Benefit Packages of ... MarketWatch (press release) table border=0 cellpadding=2 cellspacing=7 style=vertical-align:top;trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serif/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbr /div style=padding-top:0.8em;img alt= height=1 width=1 //divdiv class=lha href=http://news.google.com/news/url?sa=tamp;fd=Ramp;usg=AFQjCNHksf50lsMuhHIQBo8538Qb0lOMjgamp;url=http://www.marketwatch.com/story/aig-benefit-solutions-launches-protectpak-series-offering-benefit-packages-of-3-to-5-products-2012-02-07bAIG Benefit Solutions Launches ProtectPak Series Offering Benefit Packages of b/b/b/abr /font size=-1bfont color=#6f6f6fMarketWatch (press release)/font/b/fontbr /font size=-1ProtectPak 5 offers five products: bterm life/b, accident, critical illness, short-bterm/b disability and vision binsurance/b. Each package offers three levels of protection: bLow/b, Mid or High. With ProtectPak, employers pick the package they want to offer their b/b/fontbr /font size=-1 class=p/fontbr /font class=p size=-1a class=p href=http://news.google.com/news/more?ncl=d91y55m51qviKtMamp;ned=usnobrband morenbsp;raquo;/b/nobr/a/font/div/font/td/tr/table |
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Primerica Reports Full Year and Fourth Quarter 2011 Results MarketWatch (press release) table border=0 cellpadding=2 cellspacing=7 style=vertical-align:top;trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serif/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbr /div style=padding-top:0.8em;img alt= height=1 width=1 //divdiv class=lha href=http://news.google.com/news/url?sa=tamp;fd=Ramp;usg=AFQjCNHHRvJB1SgpzKRBcYX4Wrt_L174DAamp;url=http://www.marketwatch.com/story/primerica-reports-full-year-and-fourth-quarter-2011-results-2012-02-07bPrimerica Reports Full Year and Fourth Quarter 2011 Results/b/abr /font size=-1bfont color=#6f6f6fMarketWatch (press release)/font/b/fontbr /font size=-1Net investment income grew due to an increase in required assets associated with bTerm Life/b growth partially offset by blower/b asset returns. bInsurance/b expenses increased in the quarter compared with the fourth quarter of 2010, reflecting in part the b/b/fontbr /font size=-1 class=p/fontbr /font class=p size=-1a class=p href=http://news.google.com/news/more?ncl=dTzCsQsQ82Dv_9Mamp;ned=usnobrband morenbsp;raquo;/b/nobr/a/font/div/font/td/tr/table |
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post-divorce insurance dos and donts MSN Money table border=0 cellpadding=2 cellspacing=7 style=vertical-align:top;trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serif/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbr /div style=padding-top:0.8em;img alt= height=1 width=1 //divdiv class=lha href=http://news.google.com/news/url?sa=tamp;fd=Ramp;usg=AFQjCNG2VP1v73cT7ZHKJDL9YHLHmVw5eQamp;url=http://money.msn.com/insurance/article.aspx?post%3D130c1f52-5797-451a-9f77-b5dfe1fd6e72bpost-divorce binsurance/b do#39;s and don#39;ts/b/abr /font size=-1bfont color=#6f6f6fMSN Money/font/b/fontbr /font size=-1Insurance plays a role, too. Here#39;s how in five heartbreaking scenarios: 1. You break up, and your ex is still the beneficiary on the blife insurance/b policy. quot;No matter what your will says, the blife insurance/b policy is a contract, and that money will b/b/fontbr /font size=-1 class=p/fontbr /font class=p size=-1a class=p href=http://news.google.com/news/more?ncl=dg9gV7OuidZIIhMamp;ned=usnobrband morenbsp;raquo;/b/nobr/a/font/div/font/td/tr/table |
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QA: Make life insurance a premium consideration Sacramento Bee table border=0 cellpadding=2 cellspacing=7 style=vertical-align:top;trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serifa href=http://news.google.com/news/url?sa=tamp;fd=Ramp;usg=AFQjCNHMOMVBjMNEWew65Oo259_6au1WTQamp;url=http://newsolio.com/life-insurance-information-what-is-whole-life-insurance,721img src=//nt0.ggpht.com/news/tbn/cMpHV68xrw83IM/6.jpg alt= border=1 width=80 height=80 /br /font size=-2Newsolio/font/a/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbr /div style=padding-top:0.8em;img alt= height=1 width=1 //divdiv class=lha href=http://news.google.com/news/url?sa=tamp;fd=Ramp;usg=AFQjCNH2I8Lu_tPPfYt3MMnoBGlHcjkGwQamp;url=http://www.sacbee.com/2012/02/05/4240567/qa-make-life-insurance-a-premium.htmlbQamp;A: Make blife insurance/b a premium consideration/b/abr /font size=-1bfont color=#6f6f6fSacramento Bee/font/b/fontbr /font size=-1quot;They have no idea how much it bcosts/b, but they have this perception that it#39;s expensive and it can#39;t fit in their budget.quot; To shed some light, here are some straightforward questions and answers about blife insurance/b, focusing on bterm/b insurance./fontbr /font size=-1a href=http://news.google.com/news/url?sa=tamp;fd=Ramp;usg=AFQjCNEz7n9pNNu7BkYEC9a3X5pfAqgEagamp;url=http://www.business-standard.com/india/news/budgeting-foruncertain-times/463782/Budgeting for the uncertain times/afont size=-1 color=#6f6f6fnobrBusiness Standard/nobr/font/fontbr /font size=-1 class=p/fontbr /font class=p size=-1a class=p href=http://news.google.com/news/more?ncl=dYnXtb5xFAmURuMa8t9eFS3-xO5lMamp;ned=usnobrball 18 news articlesnbsp;raquo;/b/nobr/a/font/div/font/td/tr/table |
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TMK Beats, Affirms 2012 Guidance InvestorIdeas.com (press release) table border=0 cellpadding=2 cellspacing=7 style=vertical-align:top;trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serif/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbr /div style=padding-top:0.8em;img alt= height=1 width=1 //divdiv class=lha href=http://news.google.com/news/url?sa=tamp;fd=Ramp;usg=AFQjCNH09W8UUylY6OhV4-a-c3a1lQvm0Aamp;url=http://www.zacks.com/stock/news/69244/TMK%2BBeats,%2BAffirms%2B2012%2BGuidance%2BbTMK Beats, Affirms 2012 Guidance/b/abr /font size=-1bfont color=#6f6f6fInvestorIdeas.com (press release)/font/b/fontbr /font size=-1bLife/b and health insurer, Torchmark Corp. (TMK) reported fourth-quarter 2011 operating income of $1.25 per share, up 12% year over year, led by a higher binsurance/b underwriting income coupled with increased investment income. bLower/b share count compared b/b/fontbr /font size=-1a href=http://news.google.com/news/url?sa=tamp;fd=Ramp;usg=AFQjCNHXO9ZLNGF2NayWCaiahCP8eRx_-Aamp;url=http://www.marketwatch.com/story/torchmark-corporation-reports-fourth-quarter-and-year-end-2011-results-2012-02-06Torchmark Corporation Reports Fourth Quarter And Year-End 2011 Results/afont size=-1 color=#6f6f6fnobrMarketWatch (press release)/nobr/font/fontbr /font size=-1 class=p/fontbr /font class=p size=-1a class=p href=http://news.google.com/news/more?ncl=dmVxgYu9nuRuvwMRr4r1nz8SkJbVMamp;ned=usnobrball 14 news articlesnbsp;raquo;/b/nobr/a/font/div/font/td/tr/table |