Brokers

30 Year Term Life Insurance Brokers

30 year term life insurance brokers are not hard to find.

In fact, there are hundreds of sites online where you can find help from licensed insurance agents and brokers.  The thing you should look for, however, is a broker that will be able to get you the best rates – not just quotes – for 30 year term life insurance.

To sell insurance, you must be licensed in the state in which you are selling.  Local brokers are generally licensed in only one or two states, while national agencies often have agents and brokers that are licensed in many or all states.  The reason you must be licensed per state is because insurance is something that is overseen by the state government – not the federal government.

There are a few things you should look for when choosing a broker or agent:

  • Experience – your broker should have experience dealing with many different types of individuals – different carriers provide different rates for different types of individuals.
  • Knowledge – underwriting knowledge is what will help your broker decide which carrier will give you the best rates.
  • Independent broker status – an independent broker is one that can work with many carriers, instead of just one.  A captive agent or broker is one that can only sell products from one carrier (like a State Farm of Farmers agent).  Always try to use an independent agent – you’ll get the best rates that way.
  • Access to many carriers – make sure your broker has access to at least 10 carriers (the more the merrier).  This will help you find the carrier that will give you the best rates.

If you are looking for a 30 year term life insurance broker that will find you the best rates, try Wholesale Insurance.  They are licensed with over 50 different life insurance carriers and have been in business since 1972.

Also, remember that you never pay a life insurance broker anything.  They are paid by the insurance company after your life insurance policy is active.

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