EMG is a proud member of LIBRA Insurance Partners, giving our advisors exclusive access to top-tier resources and industry-leading expertise. In this centralized hub, you’ll find everything a life insurance professional needs – from advanced markets and underwriting tools to carrier-specific materials and powerful marketing support- all in one convenient location.
Yes, you can combine different term life policies. A common scenario that our team sees is that a client has a permanent plan for their long-term obligations, and then obtains a term life policy for their short-term obligations.
To find the right policy for your clients, make sure you consider their specific situations and needs. Since there is only a minor price difference between term life policy carriers, you should avoid shopping solely on price. You should look at the policy details and ask questions such as:
Keep in mind that your client’s needs will change over time. They may keep buying term life insurance policies as their needs evolve. For example, a young couple may initially only need a $500k policy. However, while reviewing their finances seven years later, they realize they need a $1.2 million policy. A broker can help you work through the details with your client’s present and potential future needs.
Given the many moving parts involved with finding the right policy for your client, working with a term life insurance brokerage can give you a competitive advantage. Not only can the brokerage provide sound advice, but they can also help to find the right policy at the right price point for your client.
For example, you have a client who just started a business with a 10-year business plan. They have a 20-year mortgage and want to protect the family and business for the duration of those ten years. A brokerage like EMG can help. Our agents can find a policy that matches their needs at the lowest cost, saving you the time of having to do extensive policy research yourself.
There are a few ways to find high-quality term life insurance brokers. One approach is to ask around your network for referrals. You can also connect with NAILBA, a leading insurance industry organization promoting consumer choice.
Do your homework and determine if the brokerage gravitates towards products with the most commission. Most importantly, visit the agency. Do an onsite visit and speak with the brokers in person.
You can also do your research by prospecting several insurance brokerages in your area. We recommend looking for these qualities in a broker:
You can also learn a lot about the brokerage by calling them up and asking pertinent questions, such as:
As a term life insurance brokerage, EMG Insurance Brokerage handles everything from submission to commission. This highly personalized approach gives us the ability to tailor solutions to each client. Connect with us by phone, online, or in-person, or schedule a consultation with your sales director today on how to grow your business.
Complete the form below to get started with EMG Insurance Brokerage’s tools and services for insurance professionals like you. You may also call us at 1-800-477- 3548.
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