A common question we get asked is “how do you get paid?”
We get paid by the insurance company for bringing them the business, which means there are never any charges for our services. In fact, the rate by law is not allowed to be any different if you go through and agent or go to the company directly.
There are a few key reasons why using an agent or broker is much better than going to an life insurance company directly. First, we save you time. Instead of you spending the day calling the top 30 carriers asking for quotes from each one; we do that shopping for you. Secondly, we’re impartial; our goal is to get you the best rate in the country, period. We only represent the top rated companies that never failed to pay a valid claim such as; Prudential, AIG, Mutual of Omaha, Lincoln Financial, Pacific Life, John Hancock, etc. Thirdly, by having an independent agent, you have an advocate on your side to talk to the insurance company. If anything comes up during underwriting we can talk to the underwriters on your behalf to help you get the best rate. We have helped many, many applicants receive a better rate than they would otherwise have received by talking to the underwriter on their behalf.