I sell Life, Health, Accident, Disability, Long Term Care, Medicare and Fixed Annuties Insurance.  I have my own agency and am the only sales person in my agency.  I have E & O Insurance through two MGA's, but would like to have E & O Insurance so I can write with other agencies if necessary.  I have never had a claim. I would like a quote on Aggregate $1,000,000., Each Claim $1,000,000., Deductible $2500.00.
138538
I use Calsurance myself.  They're one of the biggest E&O providers for insurance agents.  Contact them, they can give you a quote.\n\nhttp://www.calsurance.com/
55337
Wow, some really dangerous opinions in here!\n\nLife insurance proceeds are there to provide protection for your dependents in three basic areas:\n\n1) Funds made available to pay final costs (burial, medical bills, etc.) and debts (mortgage, credit cards. etc)\n\n2) Funds to make up the difference between the household income before your death and what it would be following your death.\n\n3) Funds to invest to meet the savings goals you would have been saving for had you not died. (Think children's education)\n\nNot everyone has needs in all three areas and like Lady Death alludes to in her answer, you can accumulate assets to offset these needs. This is referred to as Self-Insuring. In an ideal world, we would all quickly accumulate wealth sufficient to fully protect our families while not accumulating enough wealth to fall afoul of estate taxes. In reality this is not always the case, hence the continued need for life insurance.\n\nWhen you first apply for a policy, you go through an intense process called underwriting. This is when the insurance companies underwriters tak a very indepth look at you health (through blood and urine tests, questioning you, questioning your doctors and requesting information on you from the Medical Information Bureau [Think of the MIB as a Credit Bureau that tracks your health]) and your financial situation to determine IF you are insurable and how much your premiums are going to be.\n\nWhen people say you should only buy term insurance, be skeptical. It is a very unobjective thing to say when they know NOTHING of your situation. Term insurance is an easier sale and some salespeople follow the path of least resistance rather than providing the best objective advice to their clients. Buy Term and Invest the Difference- this assumes that you have the discipline to invest the difference rather than spend it, that you accumulate enough assets to self insure before the term period runs out, and that you don't accumulate too much with respect to estate taxes. Otherwose, you find yourself in the unenviable situation of having to go through underwriting again to put another term policy in force, with premiums based on your then current age, of course. This is particularly bad if your health has deteriorated in some way, jeapoardizing your ability to get coverage. Some may say you could convert the policy to permanent insurance at that point but that negates the tenents of the startegy and why put a permanent policy in place then, having given up all those years when you could have been funding it?!?\n\nMy best advice is to consult a financial planner (AVOID anyone who tells you what type of insurance to get without asking any questions of you and run away from anyone who uses a "multiple of salary" approach to determining your need) and have a survivorship analysis completed. Your planner will educate you on the different types of insurance and develop an insurance portfolio to meet your individual situation. It may be that term insurance is the right thing for you right now; maybe not. For anyone to say it is without the facts is not very intelligent nor prudent.\nGood Luck.
545002
Do as much research as possible, first you should realize that that Group coverage (which you currently have) is guaranteed issued without medical underwriting.  Individual and family plans that you purchase from agents, or directly from health companies are medically underwritten.  This means that if you or any of your family members have health conditions (or have in the past 12months) or take medications it may be difficult or impossible to obtain a plan outside of your husbands employer.  If your family is very healthy, then keep going and first ask get a list of your doctors and you should call your drs office and ask what health plans they accept.  Buying a plan that your Dr. does not accept would be worthless.  In the USA three types of plans have emerged in the last two years, 1. PPO Participating Physician Organization, you can visit any dr within the list of participating physician (normally thousands) and receive discounted rates, copays, and normally involve co-insurance. 2. HMO Health Maintance Organization, with this type you pick 1 primary care physician, and if you need specialty care, your primary care physician will refer you out.  3. HSA Health  Savings Accounts, these are High deductible plans, (perfect for self employed) these are long term strategic plans, you take control of your healthcare costs by purchasing a low costs High Deductilbe (normally 2500-10000) and you pay everything out of pocket until you have reached the deductible.  A smart consumer will open a HSA account at a financial institution (Federal Tax Exempt) earn at least 5% interest and fund it, whatever is not used up by the end of the year rolls over the following year (the money, and account belongs to YOU), Learn more at www.HSAInside.com\n\nLots to consider, I suggest you interview at least 3 or more brokers who specialize in Health Insurance and don't sell anything else.  Lots of plans to pick from, so speak to someone with experience.
454584
If someone depends on you financially, you should get a life insurance policy, which covers death by any cause, accident or illness.  Term insurance has never been cheaper.  Go to www.term4sale.com to get an idea of what it's going to cost.  Then, find a competent licensed agent to help you get the lowest premium from a quality company (A+ rated or better).  Applying online is OK, but you'll get better service from a licensed agent, especially if there are any difficulties with your application.
36546
If it was from Mutual of Omaha, with an A not an O, then it is probably legit. They have been around like forever. I had a life insurance policy with them years ago. As for the price, they may not know how old your gma actually is. Go to their website to find out.
155592
Most insurance companies do pay you commissions.  If you are looking for a base plus some commissions and you have your insurance licenses, I would talk to a property/casualty agency and see if they are looking for any sub-producers.  Here is a directory that you can use to contact some local agents in your area - http://www.insuremyhouse.com/agent.html
634854
you should contact your Broker/Dealer agency's commissions department or the life insurance's commissions department.  they should be able to tell you.  they way that commissions are paid out also depends on the type of product you sold as well.
304852
I wouldn't buy life insurance online. It's not safe and you don't know what you are getting yourself into. You should talk to an agent directly and ask bunch of questions.\n\nGetting $500,000 coverage for $22 may sound good, but there must be something fishy about it. It may be a temporary life insurance (known as term) and it may only last 10 years. When it is time to renew, its going to get expensive and you may get a phone call to buy whole life, universal life, or variable life insurance, which are very expensive.
121843
Partner with an expert in other fields.  I have arrangements with P&C agents, annuity agents, etc.. where I strictly handle the life insurance for their clients and refer my life clients to them for P&C.\n\nWe do splits on cases. It has been tremdous revenue boost for all parties.
322690
I am both a licensed insurance agent and the manager of accounts receivable for a large disaster-restoration company in Florida. I love my work...it's hectic, stressful and crazy, but I wouldn't trade it!\nI won't be doing this for the rest of my life, though.\nI plan on getting my adjuster's license soon. Then I'll work some CAT duty (catastrophic duty) and retire early!\n\nThanks for asking and have a great day!
354497
Visit your state insurance department's Web site. You'll probably find a list of companies selling individual coverage in your state, including those that aren't handled by brokers. For example, many BlueCross/BlueShield plans -- often one of the few choices available in highly restrictive states -- prefer to deal directly with customers, or offer such low commissions that they aren't worth a broker's time. \n\nThe insurance department may provide shopping tips for your state, as well as insurance-company complaint records. \n\nIt is a good idea to check with a qualified insurance agent before purchasing a health insurance policy.  Health policies can get very complex and can hidden coverages/non-coverages.  Start by getting a quote at: http://www.insureme.com/landing.aspx?Refby=614499&Type=health.  This web site will allow you to compare prices and find the best price and coverage.  It is free of charge and they even give you the option to speak to local agents if you have questions.  \n\nI hope that helps!  \nRon @ InsureMe
318896
You should try an independent agency. That means they are not captive agents that can only write through one insurance carrier. Look in the yellow pages and look for insurance and look for one that says they are an independent agent. They may have upwards of 20 or more companies to quote you with to get you the best rate.  BB&T Insurance is an independent agency, writing in Florida. Check out the link and call the Personal Insurance Sales Center or the agent in St. Petersburg or Tallahassee, if they are close to you.  Good luck!
213010
I had to go shopping for health insurance recently and got a lot of quotes with all kinds of options. Private pay - like what your asking. If your not over 40, healthy, don't smoke or have any special needs, then our situations are similar and I can tell you what I was impressed with. Out of 8 bids from various national company's; The two best were Mutual of Omaha and American Family. MofO was very impressive with coverage, additional free benefits and low cost riders like glasses and dental. American family was the same with an added benefit of a high yield health savings account that can be used as a tax deduction. Both had low deductables with free well care or low co pay well care, and were well under 200 a month not including riders. Good luck.
675699
You sound like you already know a bit about health insurance, but here’s a couple of general ideas, although it’s always best to talk with a qualified insurance agent who can help you get the right coverage. When you talk about $200-250, is that total costs for a month or for premiums and copays? It sounds like you might like a PPO over a HMO, although you might also be interested in a more traditional fee-for-service type of insurance. The PPOs will give you more freedom, but you’ll also have to fill out more paperwork. However, if you already have a doctor you like, you might want a PPO since your doctor might not be part of a HMO (PPOs usually don’t require you to have a primary care physician). \n\nLast year, Consumer Reports conducted a national reader survey of about 35,000 people and asked them about how they liked their health insurance and quality of health care (click here). Sixty-four percent said they were happy with their health plan. People were generally happier with HMOs than PPOs, but the Consumer Reports writers said that this was probably more a function of the lower prices. As a group, more PPO members felt they had adequate access to health care than HMO members. As I mentioned before, though, the rate of billing errors was three times higher among PPO members than HMO members.\n\nKaiser of course has a major presence in California, and Blue Cross Blue Shield is also a popular choice among Californians (they had by far the most PPO plans in the top 10 of the CR survey). You might want to write down all your concerns and then rank them in order of importance. It’s simple, I know, but I’ve always found it a useful way to make a tough choice.\n\nIf you’re still looking for answers, visit MostChoice.com. It’s a Web site that makes finding health insurance answers easy and makes shopping for health insurance quick and painless. You’ll be able to view online quotes from California health plans, and local area insurance agents will help you compare a range of competing health plans from companies like BCBS. There’s no cost or obligation to you, and your personal information is used only to match you with local health plans and insurance agents. You can find it here: http://www.mostchoice.com/health-insurance.cfm.\n\nBarnes@MostChoice.com
380961
I would suggest setting up a flat rate for each service within a certain mileage limit of your home. If you make more than $400 in a "hobby" then you must file Schedule C- Business profit or loss. If you run this like a business, you are eligible to deduct milage regardless of what you charge your clients. \n\nHourly rates of $15-30 are not unreasonable because if these affluent people's time is spent making the big money, they wouldn't second guess your prices.
359506
Mortgage life and disability insurance should answer your needs. I'm actually surprised that your mortgage lender wouldn't have offered it to you when you got your mortgage! They make good money on this kind of insurance, and generally there is some kind of incentive for the loans officer to encourage you to purchase it.\n\nAn option to consider is that you may be able to get life insurance on your mortgage cheaper by buying a term life insurance policy separate from your mortgage. Every time your mortgage comes up for renegotiation, you can reduce the amount of insurance that you are buying, and save yourself some money. This is different than mortgage insurance for which the premiums stay the same and are based on the original amount of the mortgage. The disadvantage is that the money is paid to your estate and doesn't automatically go against your mortgage. However, you would have assets in your estate this way to pay your mortgage and could leave instructions for that to happen with your executor or legal counsel. \n\nLife insurance obviously won't cover your mortgage in case of sickness or disability though. For this, you could consider a disability policy. This will allow you to be covered for more than just your mortgage -- it protects your income directly. In most cases, you can get a disability policy that will pay you 60% of your salary now. If you pay for it yourself, that 60% will be tax free (because you've paid for the policy with after tax dollars). In many cases, if this benefit is tax free, it will be sufficient for you to cover your regular expenses.
589077
The National Associated for the Self-Employed (see link below) has some good information. They have a health care Web site with some good information as well (also below). Also, some states have group-purchasing pools for small business and the self-employed. Getting insurance through a purchasing pool typically means that your employers would not have to all be part of the same health plan, which could be good for morale. The downside is that purchasing pools are relatively new and it’s unclear how much savings they really offer.\n\nDepending on the kind of business you’re in, there may be a trade association you can join and get group health insurance through them. Some states have looser restrictions on health insurance through trade associations, meaning that you would pay less for insurance and get more coverage options. I’ve included a link below to state insurance departments – it might be a good idea to contact them or your local chamber of commerce to see if they have any ideas. You also might want to check out this Web site’s (link below), state guides to small business insurance. It’s simple but it might give you some ideas.\n\nOh, one last link (below). It’s to a recent Consumer Reports article about association health insurance scams.\n\nAfter you’ve done some researching, try visiting MostChoice.com. I know you’ve said you’ve tried sales companies to help you, but MostChoice has a no-hassle way to shop for insurance. You fill out a short form, they send you information on health plans available in your state, and local state-licensed insurance agents contact you within 48 hours to talk about what you’re company needs in a group health plan. It’s free and you’re not required to buy anything from the agents who contact you. Just wait until one of them delivers an insurance solution that makes sense for you and your company. And be up front; let them know you’ve done the research. It sounds like you know what you want to pay. Just write down what you and your employees want in a health plan and present it to the insurance agents. Let them do the heavy lifting.\n\nYou can visit MostChoice here: http://www.mostchoice.com/health-insurance.cfm\n\nHope this helps,\n\nBarnes @ MostChoice.