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Insurance Brokerage America offers spreadsheet quotes from most of the top rated life insurance brokerage companies and pays general agent commissions! Are you a licensed agent wanting to earn general agent brokerage commissions from most of the top rated brokerage companies?  Learn More About This Brokerage Opportunity >>


Critical Illness Plans

See What Our Critical Illness Plans And Our Insurance Brokerage System Has To Offer!

Critical Illness Insurance Is A Protection Gap
Critical  Illness Insurance pays a cash benefit to a policyholder when they are diagnosed with one of several covered critical illnesses like cancer, heart attack or stroke. The money is paid with no waiting period. And unlike traditional health insurance, it pays directly to the insured.

Health insurance pays for things like doctor bills, surgery and traditional treatment, while the insured is responsible for co-pays, deductibles and non-covered procedures. Disability insurance replaces a person's monthly income, but only a portion of it – and benefits don't usually start until after a 30- to 90-day waiting period. For life insurance to pay benefits, a person has to die. And while there are a few "specified disease" policies out there, they pay benefits only for the disease specified

Critical illness insurance is medical insurance that pays a lump-sum benefit upon diagnosis of a critical illness or condition. A critical illness insurance payout helps you avoid the financial strain a major illness can create so you can focus on your recovery. It gives you the freedom to:

  • Get the treatment you want
  • Spend time with your family and friends
  • Keep your home and other assets
Other types of insurance simply aren't designed to meet the additional expenses of a serious illness or condition. They may help pay some of your hospital and doctor charges, or even replace part of your lost income. You may use your critical illness insurance to help pay for other unexpected expenses such as:
  • Experimental treatment
  • Travel expenses to and from treatment
  • Out-of-network doctors and hospitals
  • Childcare and eldercare
  • Insurance deductibles and co-payments

Consider that:

  • Men have slightly less than a 1 in 2 lifetime risk of developing cancer, while the risk for women is a little more than 1 in 3.1
  • On average, every 45 seconds someone in the United States has a stroke.2

Critical illness insurance can affordably protect you and your family from these additional expenses.

1American Cancer Society. Cancer Facts & Figures 2007
American Heart Association. Heart Disease and Stroke Statistics 2007

Companies Offering Critical Illness Plans:


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Get The Best Term Life Quote
For Your Client

Insurance Brokerage provides you with the latest technology to search for the best term life insurance quote for your client-

Our brokerage spreadsheet quoting system allows you to examine "by underwriting class" all of our top companies as they apply to your specific client needs.

Download top company life insurance quotes -

Get appointed with the company that best suits your clients needs-

Download top brokerage appointment forms-

Get a state specific term
life insurance application-

Insurance brokerage affords the agent an easy way to access all of the forms for all of our companies.

Request state specific brokerage life application forms-

Mail completed forms to -

  Insurance Brokerage America

  National Marketing
  P.O. Box 30248
  Charleston, SC 29417
  800-406-6303     843-769-9804 fax

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A Tale Of Two Agents

Captive Agent

An agent working exclusively for a single firm. He or she is obliged to submit business only to that firm, or at least give that firm first rights of refusal on the case.

Captive agents that are non-established are usually paid on a combination of salary and commissions earned from selling the policy contract. Also, the firm usually provides its captive agents with an allowance for office expenses as well as employee benefits such as pensions, life insurance, and health insurance. 

The established captive agent is usually paid exclusively on a commission basis.  This type of agent will tend to have more in-depth knowledge of that firm's policies, however, he or she will hardly ever be equipped to offer the industries' best price on any particular product offering.

Independent Agent Broker

Simply said, independent agents are appointed to sell policies from many insurers. The agent is independent from all the companies thus, the independent agent's responsibility is solely focused on evaluating the client's needs and the pricing of the product chosen.

While searching for the brokerage market's best place for a client's business, independent agents pay all their own expenses and keep their own records and earn their income from brokerage commissions on the policies they sell.



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