insurance companies Listings and Ratings Guide For insurance Agents & Brokers

Aetna Health Insurance Quotes - insurance companies Listings and Ratings Guide For insurance Agents & Brokers

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Here is the newest, revised version of the best assurance associates listings. These are compiled in a top 100 ratings guide format. The listings are in alphabetical order helping assurance agents & brokers search an insurer. Find out how your concept compares. How can you possibly rate an assurance company? I will mention briefly the varied ways, show you the formula I is used for this article, and why.

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Aetna Health Insurance Quotes

By estimate Of Agents

This ratings guide listing formula evaluates the insurer by the sheer estimate of assurance agents & brokers currently licensed and under contract. With carrier. I feel this assessment to be worthless for a multitude of reasons. First of all there are a estimate of career health and life assurance agencies that have thousands of representatives. However, of these,up to 80% of the total agents are relatively new in attempting to manufacture credibility in the industry. Four years down the line only 6% of many an assurance business group force will say adequate yield to stay career representatives.

Moreover, my findings search inaccuracy of this formula due to licensing renovation process state assurance departments inflict on the insurer. Most state departments of assurance send the renovation report forms on a every year basis. There is a fee to be paid by each ins agent renewed. What makes it difficult is the distinction of different paperwork procedures by personel states for removing non-active ins reps. The paperwork consists of costly, time spicy forms and procedures for the assurance business to make any changes. Renewing all the sales representatives is often cheaper, and thus the route the insurer often takes. This also gives the assurance business bragging rights to how many sales citizen write for them.

Personally I was shown in state assurance group records as licensed for 11 years after I wrote my last case.

Insurance Co Financial Ranking Listings
There are four or five top independent firms that hire this insurer rating of a business based on a multitude of financial factors. A lot has to do with projecting the financial stability of the insurer. This is fulfilled, by intimately dissecting past and present financial history. It covers how the insurer investments perform, and the rate of return. An assurance assessment also takes in notice the estimate of cash on hand, and how much exists in reserves to pay present and hereafter claims.

There is a consensus among life assurance relationship members into believing that the top rated insurers are the best of the bunch. Yet relationship members make up less than 12% of the total producer base. The other assurance agents and brokers, (the majority), do not agree that these are all the time the best ones to use for their client's needs. Logic tells you that a newer capability insurer does not have past history to start out top ranked. In my situation, clients bought what I presented them. Nearly half the time it was Not the top rated business by the rating firms. I any way sold the client what their emotional needs demanded. Many past assurance associates with rankings in the best 100 later financially failed, and still often do in today's world.

By Ranking Of Premiums Collected

This is a very tasteless type of assurance business listing & ranking to produce. assurance associates are rated by total estimate 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 ,000 annuity than a ,000 excellent term assurance policy. The other fault I find with using total premiums collected is with who no ifs ands or buts contributed a chunk of the premiums collected. With some associates an substantial estimate of these premiums were not collected by the mean sales person. A lot of institutional buyers directly bought hundreds of thousands of dollars of annuity premiums.

By Ratings leading To health & Life Sellers

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 assurance 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 assurance co business.

This rankings formula is imposed because I find the assurance associates 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 yield for.

The assurance associates listing and ratings guide to the top 100 is purposely placed in alphabetical order instead of by excellent or financial data. You may not agree fully with the listing, because we have left in some associates with a strong ration of business sold in annuities, and venture products.

In the eyes of a typical health and life broker, this guide is of health and life assurance associates is about as precise as possible.

1. Aetna 2. Aig Life assurance Company** 3. Allianz Life assurance business of North America 4. American family Life assurance Co of Columbus 5. American Fidelity assurance business 6. American general Life and emergency Ins Co** 7. American general Life assurance Co** 8. American revenue 9. American Memorial 10. American National Life 11. Americo Financial Life And Annuity 12. Anthem Blue Cross 13 Aurora National assurance 14 Aviva Life and Annuity business 15. Axa Equitable 16.Bankers Life and Casualty business 17. Banner 18. beneficial Life 19. C.M. Life Ins 20. Colonial Life & emergency 21. Columbus Life 22. Conseco Life 23. Farmers New World 24. First-Penn Pacific 25.Forethought 26. general American 27. Genworth 28. Gerber 29. Great American 30. Great-West Life & Annuity 31. Guardian 32. Hartford Life and emergency Ins business 33. Hartford 34. Homesteaders 35. Indianapolis Life 36. Ing 37. Jackson National 38. John Hancock 39. John Hancock Life assurance business Usa 40.. Kansas City Life 41.. Lafayette 42.. Liberty Life assurance Co of Boston 43.. Liberty National 44.. Life Ins business of North America 45. Life Ins business of the Southwest 46. Life Investors Ins Co of America 47. Lincoln benefit 48. Lincoln inheritance 49. Lincoln National 50. Massachusetts Mutual 51. Metropolitan 52. Midland National 53. Minnesota Life 54. Monumental Life 55. Mony - America 56. Mony - New York 57. National Guardian 58. National Life 59. New England Life 60. New York Life Ins and Annuity Corporation 61. New York Life 62. North American Co for Life & health Ins. 63. Northwestern Mutual 64. Ohio National Life 65. Om Financial 66. Pacific Life 67. Penn Mutual 68. Phoenix Life Ins 69. Primerica 70. Principal 71. Protective 72. Provident Life and emergency 73. Pruco 74. Prudential - America 75. Reassure America 76. Trust appropriate 77. ReliaStar 78. Riversource 79. Security Life of Denver y 80. appropriate 81. Stonebridge 82. Sun Life and health 83. Sunset 84. Surety 85. Symetra 86. Transamerica 87. Transamerica Occidental 88. Trustmark 89. U.S. Financial 90. Union Central 91. Union Security 92. United Healthcare 93. United Ins business of America 94. United Investors 95. United of Omaha 96. United States Life 97. Unum 98. West Coast 99. Western and Southern Life 100. Western reserve Life assurance Co of Ohio Note: Sagicor Life, Foresters, and Illinois Mutual should appear on the bottom 3 listings, replacing the associates listed above as #6, 2, and 7.

**Aig Life assurance Company, American general Life, American general Life and Casualty Comments

This group of associates Used to be one the top excellent generating, and top ranked assurance associates in the United States. Still, after two weighty Federal Bailouts, the hereafter is uncertain. Therefore, Aig Life is no longer deserving of being on this top 100 list guide.

Guide To Questionable Life assurance business Listings

The following assurance associates listings often could be included in different types of some top 100 Life ins business rankings If you were evaluating premiums written. Sometimes the premiums consist of Principal amounts of annuity premiums. Also counted in would be insurers where a large measure of sales do not come from representatives and sales people. Instead it is written by Security stock brokerage firms, and independent broker-dealers of variable venture contracts not governed by assurance departments. In other cases, products may be directly strictly toward teachers, the military, or credit unions. In a consolidate cases, there are associates with pending litigation. A representation of this mix of insurers is listed below:

1. Cuna Mutual 2. Genworth Life and Annuity 3. Harford Life and Annuity y 4. John Hancock variable Life 5. Mayflower National 6. Metlife - Connecticut 7. Metlife Investors Usa 8. Mml Bay State 9. Nationwide 10. Nationwide Life & Annuity 11. Nylife of Az 12. Phl variable 13. Sun Life assurance Co of Canada 14. Teachers Ins and Annuity Assoc of America 15. Usaa 16. Shenandoah -- financial difficulties

There is a grand total of over 600 Licensed Life/Health associates "active" in every state of the United States. However, some are not currently writing new business. In addition, there are many active in only one or a few states, so you will find them missing from the top assurance business listings. Most states have a true actual listing count of 220 to 330 life and health home offices currently accepting new cases from licensed agents & brokers.

Advisor's predition. If I choose from the provider listings above, Foresters would be my top pick as the next rising star. Its innovative niche products are beginning to originate a high demand. Also watch Genworth, its stock value has zoomed and the business is very adaptive to store opportunities.

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