Insurance offers and reviews to guide for agents and brokers

There are four or five of independent law firms, employing these insurers evaluation a company on the basis of a wide range of financial factors. It has a lot to do to project the financial stability of the insurer. This is done to dissect financial history closely by past and present. It covers how to make the investments of the insurance company and the interest rate. Insurance requires evaluation taking into account the amount of cash on the one hand, and how much there is in the reserves to pay for current and future demands.

There is a consensus among members of the Association of life insurance to believe that higher rated insurers are the best of the group. The Club members make up less than 12% of the total number of the producer. The other insurance brokers and brokers, (the majority), is not agreed, which are always the best use for your customer needs. Logic says that a new quality insurers not last best ranking began. In my situation, the users have bought what had imagined them. Almost half of the time, was not the largest company rated by credit rating companies. I have sold but the client, which requires that their emotional needs. Many recent insurance with rankings in the top 100 companies financially later failed, and still often do so in today's world.

This is a very common type of insurance company listing & ranking to produce. Insurance companies are rated by total number of premiums they collected that year. It seems rather unfair to mix annuity premiums in with all dollars collected. Producers know it is easier to sell a $20,000 annuity than a $20,000 premium term insurance policy. The other fault I find with using total premiums collected is with who actually contributed a chunk of the premiums collected. With some companies an enormous amount of these premiums were not collected by the average sales person. A lot of institutional buyers directly bought hundreds of thousands of dollars of annuity premiums. This is my way. As fair and balanced from an sales representative perspective as feasible. Premiums are collected from the 1,500,000 agents, trying to make a living by selling insurance policies in this industry. Often these sales are done one by one. Plus, of this 450,00 independent brokers, semi-independent agents and some career reps write, depending on which company, 50% to 100% of that insurance co business.

This rankings method is imposed because I find the insurance companies listing is intended to be a beneficial directory. One that independent brokers, semi-independent representatives, along with some career reps can turn to. This is a guide directory to other insurers that you may consider writing production for. The insurance companies listing and ratings guide to the top 100 is purposely placed in alphabetical order instead of by premium or financial data. You may not agree completely with the listing, because we have left in some companies with a strong percentage of business sold in annuities, and investment products.