To sell insurance products on behalf of a particular insurer, an agency must have an appointment with that insurer. An appointment is a contractual agreement that outlines the specific products the agency may sell. It also specifies the commissions the insurer will pay for each product. The contract usually describes the agency's binding authority, meaning its authority to initiate a policy on the insurer’s behalf. The agent may have permission to bind some types of coverage but not others.

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Rules of ethics. (You might say this is a simple case of “buyer beware,” but as government investigations have indicated, it’s the misrepresentation that’s the problem. Such investigations have found that brokers do not always consider their clients’ best interests, instead acting primarily in their own interests and those of their favored insurance companies.)
It is your responsibility to evaluate the accuracy, completeness and usefulness of any opinions, advice, services, or other information provided. All information contained on any page is distributed with the understanding that the authors, publishers and distributors are not rendering legal, accounting or other professional advice or opinions on specific facts or matters, and accordingly assume no liability whatsoever in connection with its use. Consult your own legal or tax advisor with respect to your personal situation.
Typically, your insurance policy will pay 25-50% more than the value of your home in the event it (and everything inside it) has been destroyed. This is called extended replacement cost coverage. But the cost of rebuilding is sometimes greater than a home’s value, which can leave a customer short in the event of a loss. Building materials and labor will continue to rise, but market value of a home is always in flux thanks to factors like neighborhood and the housing market. That means a home valued at $250,000 could end up costing $500,000 to replace. Other providers may only pay up to $375,000 in that scenario, but with MetLife’s unique guaranteed replacement coverage, you’ll receive the full $500,000.

MetLife has become aware of a recent phishing attack against some of our customers. ‘Phishing’ is a fraudulent attempt to obtain an individual’s personal information, often through a misleading email, text or other online communication. Keeping your personal information secure is a top priority of MetLife. That's why we encourage you to take precautions to protect your personal data, and why we do not ask you to verify your personal or account information by email, text message or online. If you suspect you received a phishing email, please forward it to: [email protected] Delete the email after you forward it, and do not click on any links it contains. If you believe you entered information into a linked website, change your login information immediately. For helpful hints to protect your personal information, visit the following website: https://www.consumer.ftc.gov/articles/0003-phishing

Insurance Journal


Credit score, location, condition of plumbing and electrical, vulnerability to wind damage/earthquakes/floods, claim history, replacement cost, dog breed, wood-burning stove, home-based business, remodeling, home liability limits, insurance score, marital status, age and construction of home, trampoline or swimming pool or hot tub, roof condition, proximity to fire station, square footage, number of inhabitants, area claim history, security systems and safety features, etc.
Insurance.com in 2016 commissioned Quadrant Information Systems to field home insurance rates from major insurers in each state for nearly all ZIP codes in the country for 75 coverage levels based on various dwelling and deductible limits. The homeowner profile is a 35-year-old married applicant with excellent insurance score; new business HO3 policy for house built in 2000 with frame construction and composition roof. Other Structures: 10%. Loss of Use defaulted: 10%. Personal Property defaulted: 50%. Guest Medical limit: $5,000. Personal property: 50% of dwelling coverage for actual cash value.
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1. It’s part of a sound financial plan. You know about savings, you know about retirement. You might know a bit about investments and long-term financial planning for your health and happiness. And life insurance helps with planning for your loved ones’ long-term health and happiness, especially those who depend on your income, in case something were to happen to you.
Collision and comprehensive only cover the market value of your car, not what you paid for it—and new cars depreciate quickly. If your car is totaled or stolen, there may be a “gap” between what you owe on the vehicle and your insurance coverage. To cover this, you may want to look into purchasing gap insurance to pay the difference. Note that for leased vehicles, gap coverage is usually rolled into your lease payments.
Yes, we have to include some legalese down here. Read it larger on our legal page. Policygenius Inc. (“Policygenius”) is a licensed independent insurance broker. Policygenius does not underwrite any insurance policy described on this website. The information provided on this site has been developed by Policygenius for general informational and educational purposes. We do our best efforts to ensure that this information is up-to-date and accurate. Any insurance policy premium quotes or ranges displayed are non-binding. The final insurance policy premium for any policy is determined by the underwriting insurance company following application. Savings are estimated by comparing the highest and lowest price for a shopper in a given health class. For example: for a 30-year old non-smoker male in South Carolina with excellent health and a preferred plus health class, comparing quotes for a $500,000, 20-year term life policy, the price difference between the lowest and highest quotes is 60%. For that same shopper in New York, the price difference is 40%. Rates are subject to change and are valid as of 2/17/17.
Owning a home is an accomplishment and an asset, one that deserves safeguarding. The best homeowners insurance providers offer financial strength, coverage options, and great customer service. It also comes at a great price for your unique circumstances. Use our quote tool to compare rates from several providers and find which offers you the best coverage for the best price.

Purchasing homeowners insurance may feel like a necessary evil — yes, it’s another bill, but it does protect your most valuable asset in the event of calamity. To find the best cheap homeowners insurance, we balanced the craving for low premiums with the need for customer service, ample coverage, and financial stability. Our favorite home insurance companies offer abundant discounts to slash prices without slashing protection. To find the best — and cheapest — for you, we recommend gathering quotes from all five. 
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For select riders, the condition applies to the insured. See the product and rider fact sheets for details. Yearly Convertible Term (ICC18218-135P); Level Premium Convertible Term (ICC18218-60P); Living Benefits Rider (ICC18218-498R); Spouse’s Paid-up Insurance Purchase Option (Rider Insured’s Paid-Up Insurance Purchase Option in New York) (ICC17217-375R); Disability Waiver of Premium Rider (ICC18218-235R); Policy Purchase Option Rider (208-413). State variations may apply.
In the United States, brokers are regulated by the state (or states) in which they work. Most brokers are required to have an insurance broker license, which involves taking courses and passing an examination. Each state has different requirements for insurance brokers, which a broker must meet to be licensed in that state. Most states require insurance brokers to take continuing education courses in order to maintain their license.

When it comes to online resources, don’t expect much information or assistance from MetLife. Its website is barebones, with nothing more than a seven-question FAQ and landing page. Also, only people in 10 states have the option to get a quote online. For those who like to do extensive research online before making a call to a sales person, MetLife won’t have the online presence to satisfy a purchasing decision. 

Brokers - Because a broker is solely focused on your unique needs, he or she can help with comparison-shopping, honing in on the best prices for the coverage you need. They can even advise you on how to best bundle or customize your policies in ways that agents might not be able to do (either because they are restricted in their policy offerings, or simply because they lack the insight into your specific needs).
Living near a full-time fire station with a nearby hydrant plays a role in your home insurance rates. The reason an insurer wants a home near a fire department and hydrant is that there is less chance of your home burning down if you live near a fire station. Having a hydrant nearby also means that firefighters can start battling a house fire faster than if the hydrant is down the street -- or even miles away.

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Yes. To personalize your experience on our website and to enhance security, we may assign your computer browser a unique random number known as a "cookie". Cookies enhance security by allowing us to identify you should you wish to access your personal profile upon returning to our site. Cookies also allow the site to display the proper pages and forms appropriate to your profile. Setting your browser to refuse cookies will disable the site from performing properly. Of course, if you prefer, you can give us a call at 1.800.670.3213 and we can help you right over the phone.
Yes. To personalize your experience on our website and to enhance security, we may assign your computer browser a unique random number known as a "cookie". Cookies enhance security by allowing us to identify you should you wish to access your personal profile upon returning to our site. Cookies also allow the site to display the proper pages and forms appropriate to your profile. Setting your browser to refuse cookies will disable the site from performing properly. Of course, if you prefer, you can give us a call at 1.800.670.3213 and we can help you right over the phone.
Of course, there is nothing stopping consumers from utilizing all of these resources — other than the time it takes to conduct research and compare policies. Regardless of which route you take, it is always worthwhile to check with organizations such as AAA or the Better Business Bureau, as well as your personal network for referrals, recommendations and reviews, to find the insurance professional that is right for you.

The Business Benefits Group is a full-service agency offering affordable, comprehensive insurance strategies for businesses. Our aim is to protect your assets by providing professional risk-management solutions. Whether you are a new or established business, you need the right type of insurance to protect your interests. When you contact BBG regarding our business insurance services, we will determine the best plan for you according to the needs of your business, the number of staff you have, risks that you may be facing, and similar factors. Call our office today to learn more about how we can protect your business or request a consultation online.

In Australia, all insurance brokers are required under the Financial Services Reform Act 2001[10] to be licensed by the federal government’s Australian Securities and Investments Commission (ASIC).[11] Reputable and experienced insurance brokers in Australia will generally also hold additional qualifications such as a certificate or diploma in financial services which requires the completion of in depth studies in a specific area, the most common being general insurance or insurance brokering.
When it comes to online resources and navigation, Amica’s tech feels pretty dated. Its bare-bones site only details the basics of its policies and discounts. You won’t find anything like Allstate’s abundant and interactive resources, or guidance on how to build your policy. Thankfully, Amica scores highly in customer service, so a quick phone call can get you the information you need.

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Unlike GEICO, Esurance, and other “direct writers”, independent agents are a part of your community and are there to help whenever you need it. Unlike American Family Insurance, Farmers Insurance, State Farm Insurance, and other “captive” agents, an independent insurance agent works with many different insurance companies. Atlas agents automatically compare quotes from up to 50, which saves you time & money.

Insurance brokers are paid a commission based on the product you purchase.  It can vary, depending on the type of insurance like: home , auto or business insurance.  Commercial insurance may pay a higher commission since they have complex underwriting requirements and time consuming to find the right company.  They are paid for new and renewal business.  The service is generally FREE to you, but they are required to disclose any potential brokerage fee before making a purchase.  InsuranceBrokers.com does not charge a fee for our service.


There are several unique endorsements from Progressive that allow you to expand and customize your coverage. The Inflation Guard option is one, and the name is pretty self-explanatory: Your coverage amounts will adjust to match inflation rates. In the event you need to file a claim, you can rest assured knowing that rising market costs won't leave you insufficiently covered. If your home is decked out with fences, pools, and sheds, you can extend your home’s coverage to protect these items at no additional cost. You can also extend your personal liability and medical coverage with a watercraft endorsement to include motor boats and small sailboats.
The AARP Auto Insurance Program is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in CA by Hartford Underwriters Insurance Company; in WA, by Hartford Casualty Insurance Company; in MN, by Sentinel Insurance Company; and in MA, MI and PA, by Trumbull Insurance Company. The AARP Homeowners Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. In CA, it is underwritten by Property and Casualty Insurance Company of Hartford; in WA, MI, MN, by Trumbull Insurance Company; in MA by Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, Hartford Accident and Indemnity Company; and in PA by Hartford Underwriters Insurance Company. Not available in all states, including FL. Specific features, credits and discounts may vary and may not be available in all states in accordance with state filings and applicable law. Applicants are individually underwritten and some may not qualify. Auto and Home are currently unavailable in Canada and U.S. Territories or possessions.

Your home's claims history -- The claims history includes both your filed claims and ones that previous owners filed. If you file more than one claim in a 10-year period, you can expect your insurance rates to increase. They'll increase even more if you file more home claims. That could even cause your insurance company to drop you because you're considered too much of a risk.
6The monthly rate shown is for Preferred Elite based on a Male, age 37. Allstate Lifetime UL® is a flexible premium universal life insurance policy issued by Allstate Assurance Company, 3075 Sanders Rd., Northbrook IL 60062 and is available in most states with contract series AC13-12. In New York, issued by Allstate Life Insurance Company of New York, Hauppauge, NY with contract series NYLU676.
Insurance broker became a regulated term under the Insurance Brokers (Registration) Act 1977[2] which was designed to thwart the bogus practices of firms holding themselves as brokers but in fact acting as representative of one or more favoured insurance companies. The term now has no legal definition following the repeal of the 1977 Act. The sale of general insurance was regulated by the Financial Services Authority from 14 January 2005 until 31 March 2013 and by the Financial Conduct Authority since 1 April 2013. Any person or firm authorized by the Authority can now call themselves an insurance broker. 
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We catalogued optional coverage additions that can fill gaps in your policy or cater to specific disaster-prone regions. Earthquakes, for example, aren’t covered in a standard policy, but for those living near fault lines, an endorsement that will cover damage resulting from an earthquake is wise. It’s important that insurance companies offer a variety of useful endorsements to help create a policy tailored to your home’s true risks.
Keep in mind, not all insurance companies use agents. You can do business directly with many companies by purchasing coverage online. These policies may be less expensive since the company doesn't have to pay the agent's commission. Regardless of how you buy the policy, make sure the company is licensed in your state, is financially stable and check to see if they have complaints.
Base commission is the “normal” commission earned on insurance policies. Base commission is expressed in terms of a percentage of premium and varies by type of coverage. For instance, an agent might earn say, a 10 percent commission on workers compensation policies and 15 percent on general liability policies. Suppose that you purchase a liability policy from the Elite Insurance Company through the Jones Agency, an independent agent. Jones earns a 15 percent commission on general liability policies.

You can own both whole life and term life policies at the same time. People who are looking at this option typically already have a whole life policy. However, they may find that they want additional short-term insurance coverage such as for 10 years. In this instance, buying a term policy for the amount of life insurance you need for that extra protection can be a good solution.

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Insurance brokers perform a plethora of duties for individuals and businesses in search of the right insurance for them. When you contact an insurance broker for a quote, he will acquire some information and assess your individual needs. An insurance broker will compare the coverage of various insurers to get you the best conditions and rates. A broker will also search for opportunities to combine different types of insurances to obtain discounts or reduce premiums. As brokers do not work for the insurance companies, their recommendations are unbiased and in favor of the insurance buyer.
A homeowners insurance policy also differs from mortgage insurance, which is typically taken on home buyers making a down payment of less than 20% of the cost of the property. Mortgage insurance covers the lender for issuing a loan to a home buyer who otherwise might not be able to get the loan required. Basically, a homeowners insurance protects the homeowner and a mortgage insurance protects the lender.
MetLife has become aware of a recent phishing attack against some of our customers. ‘Phishing’ is a fraudulent attempt to obtain an individual’s personal information, often through a misleading email, text or other online communication. Keeping your personal information secure is a top priority of MetLife. That's why we encourage you to take precautions to protect your personal data, and why we do not ask you to verify your personal or account information by email, text message or online. If you suspect you received a phishing email, please forward it to: [email protected] Delete the email after you forward it, and do not click on any links it contains. If you believe you entered information into a linked website, change your login information immediately. For helpful hints to protect your personal information, visit the following website: https://www.consumer.ftc.gov/articles/0003-phishing
Though not an absolute separation; an insurance agent is an insurance company's representative by way of agent-principal legal custom. The agent's primary alliance is with the insurance carrier, not the insurance buyer. In contrast, an insurance broker represents the insured, generally has no contractual agreements with insurance carriers, and relies on common or direct methods of perfecting business transactions with insurance carriers. This can have a significant beneficial impact on insurance negotiations obtained through a broker (vs. those obtained from an agent).

It’s so difficult to call an insurance company and reach a real live person to help you. You go through a bunch of telephone prompts before you reach a representative. Never wait on eternal hold again – at Boomer, we answer your incoming calls, and you will have immediate access to help. Read about the free services you’ll get from our Client Service Team.
Allstate has the second-largest number of additional endorsement options of all our contenders. Those additional endorsements are fairly low-risk: insurance for expensive sports equipment, musical instruments, or landscaping. Notably absent is additional coverage options for earthquakes and theft of other property (vehicles, trailer, watercraft), but the endorsements it does offer can be valuable if you have expensive hobbies or are putting a lot of money into renovating your home’s curb appeal.
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Living near a full-time fire station with a nearby hydrant plays a role in your home insurance rates. The reason an insurer wants a home near a fire department and hydrant is that there is less chance of your home burning down if you live near a fire station. Having a hydrant nearby also means that firefighters can start battling a house fire faster than if the hydrant is down the street -- or even miles away.
Allstate stands out for its comprehensive educational tools — it’s a great resource for new homeowners, or anyone who doesn’t like to buy anything without full knowledge of the space. With a robust guide filled with general homeowners insurance information, Allstate lets you arm yourself with everything you need to know. You can even get a personalized walkthrough of insurance-relevant stats for your specific address using Allstate’s GoodHome tool, which displays home details like market value, energy costs, and average repair costs of the most common hazards in the area (like fire or water damage). It also suggests tips for easing costs and choosing coverage.

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Agents and brokers both earn the bulk of their income through commissions earned on the sales they make. An agent working for one company can enjoy the stability that comes from having one compensation plan. A broker who works with a number of insurance companies can experience income variances, depending on which company's products she sells. However, brokers have the flexibility to write business through the companies that offer the highest commission rates, assuming they provide the products that meet their clients' needs.

Insurance Solutions Company


With an 82/100 satisfaction score from Consumer Reports and 4/5 power circles across the board from J.D. Power, State Farm’s customer service scores better than Allstate. State Farm scored best in damage amounts and policy offering categories, likely because it has the most thorough online quote process. You’ll need a binder full of details about your home to get a quote — with information as specific as the number of corners in your home’s frame. The quote process includes a 360Value tool that helps you calculate the Estimated Replacement Cost of your home, complete with detailed pictures to help you determine whether your interior cabinets are “Custom” or “Standard.” All this works together to give you an online quote that you can feel confident in.

Alternatively, you could purchase a whole life policy that will not only pay that policy face value if you should die before your children are through college, but would accrue a cash value that would provide additional benefits to your family or a growing fund of emergency money. You could also consider converting portions of your term life policy over to whole life insurance over time to build a cash portfolio for your retirement as you age.


For more than 85 years, Safeco has delivered new and better ways to protect cars and drivers with auto insurance. If you drive a sedan, hybrid, minivan, station wagon, SUV, pickup truck or anything in between, your local independent agent can provide personalized coverage that's right for you. If trouble comes along, we’ll make sure you’re taken care of every step of the way.
The questions we ask on our site are used only to determine which insurance companies and products best match your unique needs. Each insurance company bases its final prices on its own criteria. To more accurately match you with the best company, product and policy for your needs, we gather some general health, lifestyle, family history, and contact information on our site. A licensed representative will then review your submission and, if necessary, either call or email you to clarify any outstanding issues and provide you with the information you request.
We catalogued optional coverage additions that can fill gaps in your policy or cater to specific disaster-prone regions. Earthquakes, for example, aren’t covered in a standard policy, but for those living near fault lines, an endorsement that will cover damage resulting from an earthquake is wise. It’s important that insurance companies offer a variety of useful endorsements to help create a policy tailored to your home’s true risks.
Between 7/1/15 and 9/30/15,, the average estimated savings off MSRP presented by TrueCar Certified Dealers to users of TrueCar powered websites, based on users who configured virtual vehicles and who TrueCar identified as purchasing a new vehicle of the same make and model listed on the certificate from a Certified Dealer as of 10/31/2015, was $3,279. Your actual savings may vary based on multiple factors including the vehicle you select, region, dealer, and applicable vehicle specific manufacturer incentives which are subject to change.  The Farmers Car Shopping Service website is owned and operated by TrueCar, which is not affiliated with any of the companies comprising the Farmers Insurance Group of Companies.
Important legal information about the email you will be sending. By using this service, you agree to input your real email address and only send it to people you know. It is a violation of law in some jurisdictions to falsely identify yourself in an email. All information you provide will be used by Fidelity solely for the purpose of sending the email on your behalf. The subject line of the email you send will be "Fidelity.com: "
The National Association of Insurance Commissioners (NAIC) is the U.S. standard-setting and regulatory support organization created and governed by the chief insurance regulators from the 50 states, the District of Columbia and five U.S. territories. Through the NAIC, state insurance regulators establish standards and best practices, conduct peer review, and coordinate their regulatory oversight. NAIC staff supports these efforts and represents the collective views of state regulators domestically and internationally. NAIC members, together with the central resources of the NAIC, form the national system of state-based insurance regulation in the U.S. For more information, visit www.naic.org.
There are also a few different ways your claim will be settled depending on your policy. Actual Cash Value will reimburse you for the replacement cost minus any depreciation. Because the cost can vary so much over time when it comes to property, this kind of policy could mean the limit on your coverage ends up coming in significantly below the cost to repair or even rebuild your home.
Living near a full-time fire station with a nearby hydrant plays a role in your home insurance rates. The reason an insurer wants a home near a fire department and hydrant is that there is less chance of your home burning down if you live near a fire station. Having a hydrant nearby also means that firefighters can start battling a house fire faster than if the hydrant is down the street -- or even miles away.

Of all the variables that affect your premium, the most important will be replacement cost value. This is the amount of money needed to completely rebuild or replace your home in the aftermath of catastrophe. That number isn’t going to be the same as what you paid for your home (it should account for appreciation), nor the market value (which accounts for the plot of land and location). It’s best to hire an independent appraiser to get this number right and then confirm it with an appraiser from your insurance company. Now, the higher the replacement cost, the higher your premium, but don’t be tempted to underestimate it even if you’re eager to trim policy costs. This value is critical — protection against loss is the whole point of carrying insurance.
If you choose to get a rate quote online, you will be taken to the Life Quotes, Inc. website that is not owned by GEICO Insurance Agency. Any information that you provide directly to Life Quotes, Inc. on its website is subject to the privacy policy posted on their website, which you should read before proceeding. GEICO Insurance Agency assumes no responsibility for their privacy practices or your use of their website.

Any death benefit of the policy will not be payable if the named insured commits suicide or if anyone covered by additional riders commits suicide, while sane or insane, within two years from the policy or rider effective date. All premiums paid will be refunded, less any indebtedness. The following information only applies to the Accelerated Death Payment, Waiver of Premium Benefit Rider, and Accidental-Death Benefit Rider:

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