Life insurance brokers are subject to regulation according to state law, and as such must conform to licensing requirements that may differ from state to state. For instance, New York requires all brokers to complete a 40-hour course or have one year of experience in the insurance industry in order to apply for a broker's license. Each state has its own rules regarding each life insurance agent, as well. Consumers looking for term life insurance coverage should only deal with licensed brokers selling products that are legal in their state.
So, how do consumers know that their brokers are in compliance with state law? The first step is to ask the broker for a state license number. State insurance agencies keep track of licensing and will be happy to confirm the status of any broker. Ask your life insurance broker about his or her experience in the industry. Which companies do they deal with? Do these insurers have Chartered Life Underwriters on staff? The CLU is one of the industry's highest designations.
Your life insurance broker should be looking out for you. The best way he or she can do this is by only dealing with the most highly rated insurance companies. This ensures that your policy originates with a financially secure and competitive insurer. American Direct Life is an online insurance broker that specializes in quick, easy coverage. If you are seeking term life insurance and do not have the time to wait, we can help.
We are licensed to sell life insurance in all 50 states. Our affiliation with American Life Insurance Company gives you access to the most competitive rates on term life insurance that you can get instantly, without a life insurance agent and without a medical exam. The process of obtaining your coverage is completely self-service and paperless. You can apply electronically and even print your policy right from your own computer.
American Life Direct gives you the fastest and most convenient way to get up to $150,000 in term life coverage. Why pay broker commissions when you can be putting your premium dollars toward your coverage? We are life insurance brokers with the resources to put you on the road to quick, affordable coverage. Protect your family or business the smart way with American Life Direct.
