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 no 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.
The are a few reasons why using an agent or broker is better than going to the company directly. First, we save you time, instead of you spending the day calling the top 30 carriers; we do that shopping for you. We’re impartial; our goal is to get you the best rate in the country, period. We only represent the highest rated companies that never failed to pay a valid claim such as; Prudential, AIG, Mutual of Omaha, Lincoln Financial, Pacific Life, John Hancock, etc.
Also, if you have an independent agent, you have an advocate on your side. If anything comes up during underwriting we can talk to the underwriters on your behalf to help your get the best rate.