Sentences with phrase «captive life insurance agent»

Conversely, this isn't the case when you work with a captive life insurance agent.

There are three broad types of life insurance agent: a captive life insurance agent and an independent life insurance agent, and a career life insurance agent.

As briefly alluded to above, there are also two types of agents: captive life insurance agents and independent life insurance agents.

Captive life insurance agents are typically less experienced than life insurance brokers.

Not exact matches

(Note that you will not have this option if you go directly to a life insurance company or work with a «captive» agent.)

Lincoln Heritage insurance is only sold through captive agents, meaning these representatives don't offer life insurance from any competitors and won't be able to help you compare rates or features from multiple insurers.

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«Captive» means the agent only represents one life insurance company.

Of course, when you talk to someone who sells life insurance, you've got to make sure that he or she isn't a captive agent.

Primerica life insurance policies can only be purchased through their captive agents who are not allowed to represent other insurers, meaning you have to check yourself whether better quotes can be found elsewhere.

Your local insurance agent can offer you insurance, but if they are a captive agent (think State Farm) then they can only you offer their insurance which often times won't be the lowest cost life insurance available.

Captive agents are those that only represent one life insurance carrier, and limit your options drastically.

There are independent life insurance agents who represent dozens of companies and captive agents which only represent single companies.

Ultimately, a captive agent will try to convince you into buying a life insurance policy from his or her company because that is where they receive the highest commission payout.

The captive agents normally specialize in Home and Auto insurance and their life insurance rates are never competitive with the rates of companies that specialize only in life insurance.

They are a captive company, so a Senior Life agent can only offer you their insurance and no other.

All this does not make a captive agent a bad guy, this only means that the independent agent by far has the most resources like over 40 life insurance companies to choose from like our office has.

Question: My captive home and auto insurance agent tells me that I need a whole life insurance policy, should I buy it?

Examples of life insurance companies that use captive agents include State Farm, Farmers, Allstate and Geico.

So no matter where you purchase your life insurance, be sure to ask your life insurance agent if he or she is an independent broker or captive to one life insurance company.

It can be an independent agent, like us, who works with many, many carriers, who you can work with a captive agent, who works directly for the life insurance company you're applying to.

These agents are captive not only for life insurance but for the home and auto insurance as well!

Remember life insurance agents who work as captive agents for one company can only sell that company's products.

Agents are typically contracted with multiple life insurance companies, although some are «captive agents» — the only work with one company, like StateAgents are typically contracted with multiple life insurance companies, although some are «captive agents» — the only work with one company, like Stateagents» — the only work with one company, like State Farm.

Captive agents can get the job done, but an independent life insurance agent is the best option for someone who wants to have their policy shopped around.

Life insurance was once sold primarily by career life agents, captive agents that represent a single insurance company, and by independent agents, who represent several insurLife insurance was once sold primarily by career life agents, captive agents that represent a single insurance company, and by independent agents, who represent several insurlife agents, captive agents that represent a single insurance company, and by independent agents, who represent several insurers.

Purchasing your life insurance from a captive agent for example from State Farm, Allstate, Farmers, Country Companies and others will not allow you to get the best policy for less.

If you are planning on purchasing Term life insurance with the lowest possible rates, an independent agent can easily save you the most amount of premium dollars when compared to a captive agent any day of the week.

The captive agents have there one company to show you vs. the independent agent / broker that can use over 40 different life insurance companies.

This isn't exactly true because there are 2 types of life insurance agents which include «captive agents» and «independent agents.»

The captive agents traditionally specialize in Home and Auto insurance and their life insurance rates are usually never competitive.

Steer Clear of Captive Agents: When shopping for life insurance, you want to buy from a knowledgeable, independent agent.

We don't mean someone who represents a specific life insurance company, such as State Farm captive agents.

The captive agents traditionally specialize in Home and Auto insurance and their life insurance rates are never competitive with the rates of companies that specialize just in life insurance.

Purchasing your life insurance from a captive agent that only utilizes one company will never allow you to acquire the lowest Term life insurance rates.

Last but not least the captive agent's carriers can not compete with the much lower premium structure offered by the independent agent's life insurance carriers that specialize just in life insurance.

Potential clients need to be careful that they're not working with a «captive» life insurance agent, one who may be bound to place clients with AG even when it may not be the best in the clients best interest.

If you are looking for a life insurance bargain, DO NOT choose the Wrong Agent — On the topic of agents, we should point out that there is a simple mistake that many people make — choosing a captive agent who represents only one insurance company, such as State Farm.

Avoiding captive agents will help you find cheap life insurance based mainly on the fact that captive agents only have one product to offer.

There are 2 types of life insurance agents: Captive and Independent.

Captive agents are contractually bound to only sell life insurance policies from the company they work for.

An independent agent is one that represents multiple carriers and is not held captive to a particular life insurance company.

This is why it is important to choose a life insurance agency with agents that focus exclusively on placing term, universal and whole life insurance, instead of other types of insurance, such as health and auto, typically offered by captive agents.

A captive agent has access to just one life insurance carrier; whereas, an independent life insurance agent can help you compare life insurance plans and policies from among several insurance companies.

Independent agents are not held captive to a particular life insurance carrier and you will receive multiple quotes from multiple carriers.

Here's why: Independent agents are not held captive to a particular life insurance company.

Independent agents are not help captive to a particular life insurance carrier.

As an example take a look at some of the life insurance rates we offer compared to a captive agent:

A final word of advice: when you're shopping for life insurance, you should work with an independent agent, rather than a captive agent at a big - name provider.

So, if you're forced to choose between SelectQuote, or what is called a «captive» agent, such as you get with Primerica life insurance, Select Quote will most often be the better choice.