Independent Life Insurance Broker – What This Means to You

Buying life insurance means you’re about to make one of the more important financial decisions of your life. The best way to do that is by working with an independent life insurance agent. There are a lot of questions about these agents and the advantages that they bring.

For a life insurance broker to be independent there is really only one thing you need to know:

A truly independent life insurance broker can offer rates from ANY company on the market. Which means we work for you!

Other life insurance brokers may claim to be independent, but they are in reality limited to a select number of insurance companies. It is important to fully understand the true value of using a truly independent life insurance broker, as they offer the best way of finding the best deals which will be tailored to your personal needs.

Every life insurance company has different methods for calculating insurance premiums for their applicants, and that’s why it’s so important to receive quotes from dozens of companies before you choose one.  They know which companies are going to view your application more favorably.

Do Not Make Assumptions

Just because multiple insurance companies are named, do not assume that this makes the broker truly independent.

Even the big brokers that you see advertised on TV are not truly independent.  They can only offer quotes from a handful of the same companies which usually caps out around 12 companies.

AIG Direct Life Insurance, SelectQuote Insurance Services, Inc, Matrix Direct , Zander and Intelliquote are all big players on TV and radio, yet they aren’t truly independent (more like big corporate call centers).

They don’t have access to any other companies and can only sell products from this select group of companies, even if there are cheaper options available elsewhere.  For an insurance broker to be truly independent, they must have access to all of the top rated life insurance companies and the products they offer.

Our company, Rootfin, is truly an independent life insurance coverage provider. Not only are we independent, we are also impartial and provide life insurance coverage in over 50 states. We represent over 60 life insurance providers and are constantly adding to this number as more life insurance companies become competitive in the market.

Because we represent so many companies we can look at all of the deals and offers they have available and ultimately offer our clients better deals and lower premiums. We have a very good working relationship with all of the companies we work with and can ultimately find the one that will give you the best rates.

Even when it comes to high risk conditions that result in table ratings, we are able to search and secure the best rates available for your particular circumstances.

Our clients are very important to us, their needs are paramount and when we look for a life insurance policy for them we ensure that we use a company who can fully meet these needs.

What If a Life Insurance Broker is Not Truly Independent?

If you’re searching for the best rates available, go elsewhere if they’re not independent.

Life Insurance brokers who are not truly independent, such as the ones mentioned earlier, have to conduct their business in a certain way. Their advisors tend to follow scripts and must do things in a specified way to sell the companies that pay them the most commission.

Many captive agents which we categorize as only selling one company will try to sell you based on financial strength, claims paying abilities and service.  They do this because they can’t compete on price.  These are companies like Primerica Life Insurance.

The key to getting the best life insurance rates is to find the company that looks most favorably at your situation.  There are so many factors that go into getting the best rates and everyones situation is unique.  Only a truly independent life insurance agent is able to do this.

At Rootfin, we are proud to say that we are a truly independent life insurance broker, our aim is to always provide the best level of service we can. We always do our utmost to try to build a relationship with each and every one of our prospective clients, a relationship built on trust and an understanding of their individual needs. We have a team of friendly, caring and experienced life insurance advisors who are always on hand to discuss your needs and answer any questions you may have.

Our agents are able to access all the insurance companies and the products they have to offer and by assessing your personal needs and lifestyle will ensure that you have the correct level of life insurance cover available.  Whether you’re looking for a small final expense policy, million dollar term life insurance policy or a 15 million dollar indexed universal life insurance policy, we can help you.

They will ensure that the type of life insurance you are offered is the correct type, that the premiums are affordable and that most importantly, it will adequately cover the needs of you and your loved ones when it is required to do so.

We have absolute confidence that as a truly independent broker, we have the ability to find all of our clients the best possible rates. If you have any questions about life insurance, independent agents, or the various types of policies that you can choose form, please reach out to one us today.  We’d love to answer those questions and connect you with the best insurance policy to fit your needs.

Life insurance is the most important investment you’ll make. Not having life insurance is the worst mistakes that you’ll ever make, and you could leave your family with thousands and thousands of dollars of debt if you were to pass away. This could leave your family under a mountain of debt. This is why life insurance is so important.

You shouldn’t wait any longer to purchase the protection your family deserves. You can’t predict the future, you never know what’s going to happen tomorrow, but you can always plan for the worst. Contact us today to start the life insurance process.

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About Jeff Root

is the owner of He's an independent life insurance agent who has helped 1,000's of consumers purchase life insurance online and over the phone.

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1 Comment

The only other item I would mention is to be sure the broker candidates have achieved the CLU designation. (Chartered Life Underwriter) This is equivalent to a “Ph.D” in life insurance!

Then you can be well, “almost” sure they really do know what they are talking about.

March 6, 2012 at 12:38 pm
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