insurance agents-brokers

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PostPosted: Tue Nov 11, 2008 5:19 am   Post subject: insurance agents-brokers  

Are there really any differences between the insurance agents and brokers?

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PostPosted: Tue Nov 11, 2008 8:27 am   Post subject:   

Hi Pompido,

Insurance brokers are professionals who'd offer you a vast channel of products to choose from. They are independent and more than that. That's why probably they are being described as "super-independent". Brokers are licensed agents and hence they are essentially more qualified than that of the general agents. ArindamSenIndies

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PostPosted: Tue Nov 11, 2008 8:48 am   Post subject:   


Brokers would need to involve themselves with a lot of other stuffs across the different states. They would need to analyze the business operations after a careful considerations of facts and thus decide the right kinda coverage towards covering the business.

On the other hand the agent would merely have some administrative tasks to perform. But yeah, you'd certainly need to pay them more than the general agents. Brokers would either charge the administrative fee or fetch more premiums for issuing the coverage. Evan

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PostPosted: Tue Nov 11, 2008 11:00 am   Post subject:   

While the insurance agents work on behalf of the insurance company, the broker works for the customer. The broker has lot more flexibility in finding a policy that would suit your needs.

While the insurance agents receive the commission on the sales, the broker receives brokerage fees from the client.

Many a times you may hear people use the terms insurance agents and brokers synonymously, but they are different by their nature of work.

Hope this helps.


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PostPosted: Wed Nov 12, 2008 8:31 pm   Post subject:   

I'd just like to expand on Jeremy's post a bit.

From a layman's, or general insurance consumer's standpoint, the terms agent and broker are entirely snonymous. From a position within the industry, there are basic differences. Agents usually work for a specific company (Allstate Agent, John Doe) and brokers are usually self-employed (John Doe Insurance and Financial Planning).

While the insurance agents receive the commission on the sales, the broker receives brokerage fees from the client.

Both agents and brokers receive commissions from the companies they represent. A fee-based practice is a slightly different entity and is more heavily regulated than the others. An agent has to jump through a few more regulatory / legal hoops to make that one work.


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PostPosted: Thu Nov 13, 2008 4:40 am   Post subject:   

Wow!! Investigator, thanks for dropping in with the imvaluable information. Also thanks for clarifying my shaddy areas. Hope it will help the OP to understand better about the broakers and agents.

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Jeremy Holter

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PostPosted: Tue Apr 19, 2011 6:06 am   Post subject: nJZlWeMfEUGx  

Brokers.. Super Smile

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PostPosted: Tue Apr 19, 2011 7:01 pm   Post subject:   

I'm an Independent Insurance Agent in GA and want to know how do you become a Broker?

I've read so many different things for example:

-There is no real difference between agent/broker/producer

-To be a broker you must have been an agent first depending on what state you live in

-Brokers don't have contracts with Insurance Companies

Is it better to be a Broker than an independent agent because you can negotiate the price for clients?

What else is required to become a broker besides a surety bond?


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PostPosted: Fri Apr 22, 2011 8:43 am   Post subject: SlMaQMPuXj  

Brokers.. Keen Smile

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PostPosted: Fri Jun 03, 2011 2:49 am   Post subject: XjdRPXVzcdHjPvMhP  

Brokers.. Peachy Smile

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PostPosted: Wed Jun 22, 2011 9:29 am   Post subject:   

Both insurance agents and brokers are insurance professionals who work as intermediaries between the insured and insurer.

Insurance agents are basically of two types. One is captive and other is an independent insurance agent. A captive insurance agent works only for one insurance company whereas an independent insurance agent works for many. The only serve as a link between insurance company and customer.

On the other hand, insurance brokers have more duties as compared to insurance agents. They even help their customers to make a knowledgeable decision in terms of their policies.

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PostPosted: Tue Jun 04, 2019 3:15 am   Post subject: russian dating  

Online lover goes away after widow's death

Johannesburg Police are searching for a Nigerian man after an Australian great grandmother was found dead under suspicious circumstances in her Johannesburg guesthouse in early February.Her little Nigerian lover, Orowo Omokoh, 28, Has gone missing along operating her money, available credit, diamond jewelry, Laptop perfectly as other personal items, ReportedJette Jacobs, 67, apparently with their came to SA in November 2012 to marry Omokoh, Whom she had met on an online dating service two years earlier.Omokoh was the actual final person to see Jacobs alive and reported her missing to police, After which he evaporated.Alan Hynd of the Australian department of trade's consumer insurance policy coverage department said Jacobs was a widow who was apparently very lonely after her husband's death in 2002.Then she met Omokoh online and transferred more than Aus$100 000 to his checking account in Nigeria, switching the same amount to another man, revealed only as Isaac, Whom she also met one particular.She flew to South Africa in 2010 to meet Omokoh and last year he asked her to marry him.Despite her children warning her contrary to the man, She was convinced that she'd begin a new life with her new love, described Hynd.She sold her house before leaving questionnaire. In South Africa she directed another Aus$20 000 to supposedly help Omokoh with his visa problems.But an australian fraud unit had proof that Omokoh only arrived in South Africa two days before Jacobs's death.A letter was sent to Jacobs to warn her sexy russian women that she might have fallen victim to a scam but the letter was delivered after she had already left for johannesburg.Hynd said Jacobs's family said Omokoh wanted to live with their mother around australia after the wedding but she was apparently keen on living in Nigeria.

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PostPosted: Tue Jul 30, 2019 10:23 pm   Post subject:   

specifically is Social Networking

Social Networking: new discovery?

social networking is the process whereby users join an online community and form their own social groups based on commonalities such as hobbies and occupations. The social networking process begins when users register generate a profile (An autobiographical sketch with a recent snap shots) Of his or her selves and publish it for the world (Or a decided group) to get to. They can then search out other users and add them to their own personal groups. If you are planning to make some new connections or catch up with old friends, Consider the following before selecting a social network:

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precaution: How comfortable do you feel about sharing your personal details with the rest of the world? Social networkers who overexpose themselves run the risk of identity theft, sham, And cyber intimidation. Keep personal information such as your address, telephone number, And banking awareness to yourself and away from your public profile. also remember, What you decide to display on your profile is not just limited to yourself or your inner circle, But might viewed by potential employers, colleagues, regulations enforcers, promoters, Or online should. Exercise caution when posting photo files, users, Or any other type of information that can identify or incriminate you.

Regional global popularity: O tes vous all l'cole? had you been educated in France, Then Trombi might be for you. This social networking site was created to help users find and re talk with old classmates in France. If you haven't attended school in France and cannot speak French to save your life, This site will not be for you. Remember to verify the regional popularity of your social network manage to find other users in your area with ease and receive tips, approaches, And tech support team from others around you.

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PostPosted: Tue Sep 03, 2019 10:30 pm   Post subject:   

10K reward for online dating his mom

Marc Guss is offering a $10,000 reward to whoever can learn his mother a match.

"ones [extent] has been ten fold, Said the top of East Sider, Who posted his bid earlier this week on various local Facebook groups. "If I knew that she would meet someone and would be happy, each and every number too high,

Almost instantaneously, He was inundated with countless messages from people hoping to help his mom and to applaud him. One woman even submitted: "if you single send me a note, (He's happily engaged to be married, woman.)

earlier than a magic matchmaker can claim the prize, Marc pronounced, the "Committed affectionate" Needs to decide on between his mother, Esther, since suitor.

"i believe contract, he said, Calling it a good faith conformity. "When they both say they are committed to each other and exclusive, that person will get the prize,

Esther's groom, George, died in 1986. from then on, The Manhattan Beach widow was in a long term friendship but her partner passed away three years ago.

after that, Marc, The co founder of voice over talent agency, ACM, Has been spending up to three hours a day managing his mother's online dating service profiles on sites such as Plenty of Fish and JDate. Her daughter customarily takes her to singles events.

"The guys on those sites are in their 70s and 80s, and they write: 'My age range is 40s to 50s,or,--" explained Marc. (Esther won't present her exact age, But says she will be in her 70s.) "these guys, Are just a slave to hoping a jackpot hits,

He said he has also forked out some $12,000 on top quality matchmakers and glamour shots for his mom, with no success.

Esther wants a Jewish man in his 70s or 80s who is "nursing, sincere, Fun and productive, to be able to Marc. "She's not trying to choose an Upper West Side professor. She's just searching for a down to earth guy who is not snooty,

"He requires to have at least a car, more Esther. Although she'll acknowledge a guy with an Uber app. "If he is a woman, incredibly good, you pay and we go,

Once a prospect gets Marc's seal of approval, Esther will decide if she wants to move forward with a date.

Her ideal first date nicely coffee or lunch. "Just easy to understand, She says. "But he can't come to the house the beginning. not,

she would also love a man who enjoys long walks with her chihuahua, PeeWee.

"If he does not like [dogs], return, She pointed out. "absolutely not,

And she's not in no time for a ring. "they might be move in, And objective, i'm not up to it, She documented. "But if he's a girl, that knows,

she would like a "pet" anyone to go to girls in spanish parties and dinners with, And to eventually take to Marc's beach house in new jersey.

Family means all to Esther, Who is to begin with from Poland and lost her parents and three siblings in the Holocaust. So she's unbelievably grateful for her son, Marc, And his giving offer.

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PostPosted: Tue Oct 15, 2019 6:08 am   Post subject: russian sexy girls  

Bat Mitzvah and Bar Mitzvah Save the Date playing

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