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 >>


Medical Information Bureau

See What Our Insurance Brokerage System Has To Offer!

The Medical Information Bureau serves the information needs of almost 500 health and life insurance companies that seek health, credit and other information about those consumer who request to be insured.

The Medical Information Bureau provides background information to insurance company members so they may determine who they will accept for insurance, or who they will reject. The Medical Information Bureau collects information on only 15 to 20 percent of people who have applied for individual health or life insurance policies.

The Medical Information Bureau states its mission as "detecting and deterring fraud that may occur in the course of obtaining life, health, disability income, critical illness, and long-term care insurance.

The Medical Information Bureau is considered by the government to be a consumer reporting agency.  The Medical Information Bureaus' services must follow the US Fair Credit Reporting Act and the Fair and Accurate Credit Transactions Act.

Only Members of the Medical Information Bureau are provided with MIB's core fraud detection services.   Any insurance company in the United States conducting the business of life insurance on the legal reserve plan is eligible for membership.   Companies must be duly licensed and in good standing with insurance regulators in the jurisdiction of their domicile.


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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

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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