Insurance Brokerage America
Home About IBA Blog Contact Us
Insurance Brokerage From Top Rate Companies Insurance Brokerage America offers spreadsheet quotes from most of the top rated life insurance brokerage companies and pays general agent commissions! Are you a licensed agent wanting to earn general agent brokerage commissions from most of the top rated brokerage companies? Learn More About This Brokerage Opportunity >>
Get The Best Term Life Quote For Your Client-
See What Our Insurance Brokerage System Has To Offer!
Insurance Brokerage provides you with the
Underwriting Insurance Risk
latest technology to search for the best term life
Insurance underwriters evaluate the risk and exposures of potential clients. They decide how much coverage the client should receive, how much they should pay for it, or whether even to accept the risk and insure them.
insurance quote for your clientOur brokerage spreadsheet quoting system allows you to examine "by underwriting class" all of our top
Insurance underwriting involves measuring risk exposure and determining the amount of premium needed to insure that risk.
companies as they apply to your specific client
The function of the underwriter is to write insurance business that will make the insurance company money, and to limit risks that they feel will create losses.
Download top company life insurance
Each insurance company has its own underwriting guidelines. The underwriter uses these guidelines to determine whether or not the company should accept the risk.
Get appointed with the company that best suits your clients needs-
Evaluating Risk Evaluating the risk for insurance will depend on the type of coverage to be underwritten.
Download top brokerage appointment forms-
When underwriting automobile coverage, for example, the applicant's driving record is critical. For life and health insurance, medical underwriting is used to examine the applicant's health status.
Get a state specific term life insurance application-
The underwriters may either decline the risk or may provide a quotation in which the premiums have been loaded or in which various exclusions have been stipulated, which restrict the circumstances under which a claim would be paid.
Insurance brokerage affords the agent an easy way to access all of the forms for all of our companies.
Medical underwriting Medical underwriting is an term referring to the use of medical or health information in the evaluation of an applicant for coverage.
Request state specific brokerage life application forms-
Mail completed forms to -
The underwriting process involves gathering health information about the applicant which will be used to determine whether to offer or deny coverage; and what premium rate should be for the policy. Note that the of medical underwriting may be restricted by law in states. Life insurance companies in support the Medical Information Bureau (MIB) which is a clearinghouse of information on persons who have applied for life insurance with participating companies in the last seven years.
Insurance Brokerage America National Marketing P.O. Box 30248 Charleston, SC 29417 800-406-6303 843-769-9804 fax
Product Information Tools Carrier Profiles And Links
Products Information Permanent Products Information Underwriting Requirements Capital Needs Analysis Calculator
A Tale Of Two Agents Captive Agent
An agent working exclusively for a single firm. He or she is obliged to submit business only to that firm, or at least give that firm first rights of refusal on the case. Captive agents that are non-established are usually paid on a combination of salary and commissions earned from selling the policy contract. Also, the firm usually provides its captive agents with an allowance for office expenses as well as employee benefits such as pensions, life insurance, and health insurance. The established captive agent is usually paid exclusively on a commission basis. This type of agent will tend to have more in-depth knowledge of that firm's policies, however, he or she will hardly ever be equipped to offer the industries' best price on any particular product offering. Independent Agent Broker Simply said, independent agents are appointed to sell policies from many insurers. The agent is independent from all insurers thus, the independent agent's responsibility is solely focused on evaluating the client's needs and the pricing of the product chosen. While searching for the brokerage market's best place for a client's business, independent agents pay all their own expenses and keep their own records and earn their income from brokerage commissions on the policies they sell.
Term & U/L Brokerage Companies American General Life Companies American National Assurity Life AXA Aviva Banner Life F&G Life Fidelity Life Foresters Life Genworth Financial ING Jefferson Pilot/ Lincoln Financial John Hancock Lincoln Benefit Lincoln Financial MetLife Mutual of Omaha North American Life Penn Mutual Presidential Life Principal Life RBC/Liberty SBLI Security Mutual Sun Life Transamerica
Transamerica Family Markets Union Central United Home Life West Coast Life Western Reserve Life William Penn Find us on
Twitter Return Of Premium Brokerage Products American General Life Companies Assurity Life F&G Life Fidelity Genworth Transamerica Simplified Issue Term and Whole Life American General Life Companies Assurity Life John Hancock Fidelity Life Genworth Financial Mutual of Omaha Critical Illness Plans American General Life Companies Assurity Life United of Omaha Impaired Risk Plans Fidelity Life Impaired Risk Questionnaires Annuity Brokerage Many fixed & equity index products in our portfolio to choose from.
American General Life Companies American National Equitrust Ft Dearborn Life Great American Liberty Bankers Life Mortgage Market Brokerage Products Assurity Life F&G Life Transamerica Family Markets Guaranteed Issue Plans Presidential Life - Graded Death Benefit Assurity Life Disability Brokerage Personal & Bus. Overhead
Assurity Life Union Central Principal Standard MetLife Long Term Care Brokerage Assurity Life Genworth Financial John Hancock United of Omaha Insurance Brokerage Quotes Center Download Top Life Insurance Quotes Disability Quotes Questionnaire Long Term Care Questionnaire Impaired Risk Questionnaires Brokerage Appointment Center Download insurance appointment applications. Insurance Forms Center Download insurance forms Learning Center Insurance Terms and Definitions Insurance Brokerage Frequently Asked Questions Brokerage & Advanced Underwriting Issues Tax Facts- Insurance and Taxation The Medical Information Bureau Underwriting Insurance Tools You Can Use ©2009 InsuranceBrokageAmerica.com | All Rights Reserved Term Life Insurance | Legal | Site Map | Resources | Definitions | Contact Us
Galleries of by