Insurance Brokerage From Top Rate Companies

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 >>


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Privacy Policy

Information Collection and Use is the sole owner of information collected on this site to purchase most products and services from We will not sell, share, or rent this information to any outside parties, except as outlined in this policy. We collect information from our customers to better serve you with pertinent information, such as status updates. Information collected includes your name, shipping address, billing address, telephone numbers, and e-mail address.

Contact Information
You will be required to provide your contact information, which includes your name, e-mail address, telephone number and street address. This information is used to provide you with important services such as status updates via e-mail.

We customize certain Web page content based upon your browser type and other information provided by our cookie. If you choose to reject the cookie, you can still browse our website.

Log Files
We use IP addresses to analyze trends, administer the site, track user movement, and gather broad demographic information for aggregate use. We do not link IP addresses to personally identifiable information, and we do not distribute or share IP information with any third parties.

The testimonials section of the website is for the purpose of sharing positive experiences. The testimonials section is moderated to ensure accurate and positive testimonials. Published testimonials are genuine and are not edited or altered by reserves the right to post or remove any testimonial at its discretion.

By posting your comments or testimonials on our website, you give us permission to reprint or use the Testimonial in connection with our business. You also are agreeing to the following:
(1) The reprint or use of the Testimonial will be at our discretion and without compensation;
(2) We may use the Testimonial with or without any pseudo (pen) name credit; (3) Our right to use the Testimonial is perpetual and may be assigned by us;
(4) We may use the Testimonial locally, nationally or globally and such use may be made in any media, information or communication platform (including Internet advertising) currently in use or later developed; and
(5) You and not someone else composed and posted the Testimonial.

This website contains links to other sites. Please be aware that is not responsible for the privacy practices of such other sites. We encourage our users to be aware when they leave our site and to read the privacy statements of each and every website that collects personally identifiable information. This privacy statement applies only to information collected by this website.

Security takes precautions to protect its customers' information. When you submit sensitive information via the website, your information is protected both online and offline.

Notification of Changes
If we decide to change our Privacy Policy, we will post those changes to this privacy statement, the homepage, and other places we deem appropriate so that you are aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it. We reserve the right to modify this privacy statement at any time, so please review it frequently. If we make material changes to this policy, we will notify you here, by email, or by means of a notice on our homepage.

If you have opted out of receiving communications from, you will still be able to view news of policy changes at

Last Update
The Privacy Policy contained herein became officially effective December 1, 2009.


Start Here!!

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

Product Information Tools

Carrier Profiles And Links
  Products Information
  Permanent Products Information
  Underwriting Requirements
  Capital Needs Analysis Calculator

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 insurers thus, the independent brokerage 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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