Foresters Stock Chart
Headquartered in Toronto, Canada, Foresters is a fraternal benefit society that has more than 650,000 members — who are customers. Foresters offers members more than just a financial product; eligible members also benefit from special member benefits and community involvement opportunities to help them and their families get more out of life. Foresters is a life insurance organization committed to helping individuals and families achieve their financial security goals through its innovative portfolio of competitive life insurance and annuity products.
Get The Best Term Life 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-
Get a state specific term
life insurance application-
Request state specific brokerage life application forms-
Mail completed forms to -
Insurance Brokerage America
P.O. Box 30248
Charleston, SC 29417
800-406-6303 843-769-9804 fax
Product Information Tools
Carrier Profiles And Links
Permanent Products Information
Capital Needs Analysis Calculator
A Tale Of Two Agents
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.