If you are looking for a life insurance broker then you’re at the right place. InsureChance is an independent life insurance agency that allows you to shop around with all of the top “A” rated life insurance companies on the market. We are licensed to do business nationwide and it doesn’t cost you anything to do comparison shopping with us. To compare life insurance quotes you can click on the quote engine on your right or hit the life insurance quotes tab above. If you are here to learn what a life insurance broker is, then you’re also at the right place.
What is a Life Insurance Broker?
A life insurance broker is an independent agent or agency that has the ability to represent multiple life insurance companies. This means that they are able to help you shop around with all the companies that they represent to get you the best rate on the market. An experienced broker will also be able to put you with a company that fits your situation the best. Most life insurance companies will rate certain risks differently and an experienced broker can help you determine which one is most favorable for your particular risk. For example, company A might be more favorable for those with diabetes, while company B provides more favorable rates to those with a cigar habit. If that explains it and you’re ready to compare term life insurance quotes simply use the quoter to your right.
How Does a Life Insurance Broker Make Money?
Some people often think it costs them extra to work with a broker because of the service they are provided with. The truth is you get the same exact rate working with a broker than if you went to apply with the company directly and that is because life insurance rates are fixed by law. The life insurance rate you got, already calculates the agent’s commission no matter where you go, the difference is in the knowledge and service you are provided with. I recommend always working with a broker, the key is in working with one that is experienced. If you want to save yourself some time give us a call, we’re the best.
Tips for Working With a Broker
There are a few things you want to be aware of when working with a life insurance broker. The first thing is to make sure that it’s an actual broker you are working with. A lot of life insurance agents are captive agents that can only sell you one product. A good example of this is when you call a life insurance company directly to get a quote. Also, you want to make sure that the broker represents at least 10 companies and that they are A-rated life insurance companies, but as the saying goes, the more the merrier. We actually represent over 60 companies, so just in case you were still debating calling us, debate no more. The third and most important tip is making sure the broker is familiar with the underwriting guidelines of each company. This will save you a lot of time and money. If you are in other than good health, then the lowest rate on the quoter isn’t the lowest rate for you because each company offers case by case rates for certain conditions.
The Best Life Insurance Broker in America
Everyone makes the claim, but not everyone lives up to it. InsureChance is the first online life insurance marketplace. You will find many websites online offering life insurance quotes but most of them are marketing agencies that will sell your information to call centers and companies nationwide. This is why we offer life insurance quotes with no personal information required. Feel free to browse our website in peace, and if you need us, our agents are standing by to assist you via chat or phone.
Why InsureChance?
We are not a fly by night life insurance agency. We entered this industry with a passion to improve the life insurance buying process and eliminate self oriented business practices. With us you can count on zero sales tricks, just dedicated agents looking to assist you in buying a policy that will protect your financial responsibilities. We like to keep things simple and make your life insurance process a breeze. Everything can be done over the phone! So calls us today at 888-492-1967 for any questions or concerns. Don’t waste your time looking for other brokerages because you never know what you’re going to get. With us you get a grade “A”service, experienced agents, and zero gimmicks. Welcome to InsureChance.
