1. 4330 POINTS
    Jerry Vanderzanden, CLU, ChFC
    Co-Founder, Coastal Financial Partners Group, California
    A life insurance broker is a life insurance agent who is appointed and contacted to sell life insurance with multiple insurance companies. Such agents are independent meaning they are not required to place all business with one insurance company.

    A life insurance broker can "shop the market" for the client to find the right policy and premium to meet the client's needs.
    Answered on April 11, 2013
  2. 15645 POINTS
    Edward HarrisPRO
    Owner, Best Health And Car Insurance Rates - Instant Online Quotes, US
    A life insurance broker works for you...the consumer. The broker will research and compare many of the top-rated carriers so you can pay less for your coverage.

    20 years. 15 years. 10 years. Term. Whole Life. Variable Life. Confusing isn't it?

    A broker will help you understand the best options for you and how to get them at minimal cost.
    Answered on May 5, 2013
  3. 63333 POINTS
    Peggy Mace
    Most of the U.S.
    Life insurance brokers get all pertinent information from their clients so that they can find them the best policies. This means that they will gather their clients' health information, so that they can place them with companies that are favorable to their age, health, and other risk factors. They will review the need for the insurance, so that they can place their clients with policies that will meet that needs. And they will shop among the companies they write with to get their clients the most affordable prices.
    Answered on November 6, 2013
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