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> Life Insurance
 
- Term Life Insurance
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> Critical Illness
 
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Difference between Captive agent or Life Insurance company representative or Life Insurance Broker
Captive Agent Life Insurance Broker

Captive agents are licensed Life insurance professional who work for one insurance company and have access to products offered by one life insurance company, which they work for.

Brokers are licensed Life Insurance professional who work for their client and have access to wide range of insurance products from all the Life insurance companies.

Captive agent has sometime limitation if there is no insurance product that meets your need then they have no choice and can not offer you anything.

Broker has access to large range of products, so based on your individual needs; products from different insurance companies could be selected.

With Captive agent, option of shopping around is not available as they only have products from one company, so you can’t compare what other insurance company would be charging premium for similar product.

Brokers are able to shop around for you to find insurance company that offers lowest possible premium for the product that match your need.

Captive agents try to emphasize on the brand name of their Insurance company, most of the times to earn credibility from client.

Broker has to work in the interest of client and show client comparisons between similar products offered by different companies, so as client could make an informed decision with the advice of professional.

Practical Problem: One insurance company can have one good product or two or three, however your family needs might be beyond just those products and hence you could either collect information from all the insurance companies and then compare it your self and deal individually with few companies that you short listed or deal with one broker who does all the leg work for you and you could enjoy services and advice of professional.

After this comparison, it makes lot of sense to deal with a broker.

 

 
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Smart Shoppers / Wise steps in getting Life Insurance Policy/ how to proceed
When applying, always apply with three or more insurers or insurance company at the same time, doing that yourself could be troublesome, so taking a help of life insurance broker is a better option, as we can apply for you with three or more life insurance companies at the same time and the advantages are... Read more...
 

What is No Medical Life Insurance?
No medical Life Insurance as name signifies Life insurance without medical examination ie no blood work, no needle tests or urine sample or no medical results from doctor.
Read more...

 

Understanding Universal Life Insurance Policy
Universal life insurance plan typically consists of insurance coverage in the form of permanent insurance combined with an investment component (also called Cash Value or surrender value).
Read more...

 

Life Insurance options for conditions like Cancer, Stroke, High B.P., Diabetes, Heart Conditions
Life Insurance offers many options to you when you are healthy and options offered by this insurance industry to those with health conditions is limited and few, but good news is there are still few options... Read more...

 

 
> Term Policy coming up for renewal
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> What is no medical life insurance?
> Difference between Captive agent or Life Insurance company representative or Life Insurance Broker
> I am declined for life insurance what are my options
> Disability Insurance vs Critical Illness
> I am diabetic Insulin dependent
> Life insurance for someone who is HIV positive
> Life Insurance options for health conditions like Cancer
> Should I buy term insurance or permanent insurance
> Tips for savings when applying life insurance policy
> Term in Disability Insurance that effect premiums in this policy and important to understand
> Life Insurance without Medical
We are a broker company offering plans / insurance products from companies like Manulife Financial, RBC Insurance, Sun life, Industrial Alliance, Assumption Life, Empire Life and many more, what we care for is a plan that best suits your needs at lowest possible premiums. We work in the best interest of client and not insurance companies. We strive to maintain the accuracy with all the information provided on this website; however errors and omissions regretted.

     
       Norman & Cindy, London ON         William & Dorothy, Sarnia ON         Richard & Shelly, Toronto ON        Peter, Brampton ON 
"Kept us completely informed on each step while waiting approval."
"I had been turned down time after time.....Life Insurance Advisors got a policy for me at preferred rates...Thanks" 
"Your service was outstanding, you kept us in the loop throughout the entire process. You made shopping for life insurance a breeze. Thank you so much!"
"Mike, Thanks for being so professional. You have provided me the life insurance at the right value without any hassle. Thanks."
Life Insurance: Toronto GTA, Ontario, British Columbia, Alberta, Saskatchewan, Retirement Planning, Sitemap, Careers, Blog , Forum , GTA home and Auto Insurance
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