About Us

We are a life insurance producer a.k.a. agent or broker depending on the usage preferred. We are called "producer" because we produce applications for life insurance companies. A licensed agent or a licensed broker is a producer. A professional local agent is a producer.

In one sense, we shouldn't be called a "broker" because we charge no fees and do not negotiate anything. We also are not a captive "agent" representing one company. We try to help you find the best for your needs amongst all the companies that allow us to produce applications for them.

There is some variation in state licensing law, but the consumer probably won't notice much difference between producer categories whether they are called agents, brokers or whatever.

We don't charge any fees because we are paid by the respective insurance company when coverage is issued and the premium is paid. We are licensed in all states.

We have been helping consumers find the life insurance best suited for them for over 18 years. We do this by providing relevant information to the consumer.

Since we are paid by the insurance companies, we must be acting on their behalf in whatever capacity and to whatever degree the respective insurer authorizes, and must be representing them.

Advice, Consultation, and Recommendation

We try to be as helpful as possible and do our best to get you the information you need to make the best decision, but that is not advice or recommendation from us.

What we do should never be considered as a recommendation, or insurance advice, or insurance consulting because you are not paying us any fee for what we do.

We can not advise you as to what is best for you to do because we are not being paid to do that. We are paid by insurance companies to bring in applications. Your decisions are entirely your responsibility.

Advisors and consultants are paid a fee by those they are advising and providing consulting services to. You are not paying us a fee to be an advisor or consultant. Your decisions are your responsibility, not ours.

Because we are paid a commission for our work, we are limited to being helpful and informative. We can explain the ramifications of a choice, but it is not possible for us to give recommendations or advice as to what you should do.

We can help you if you have a difficulty with an insurance company and can help solve problems, but we should not be said to 'represent' you because we are not paid to do that. We are paid to produce applications.

It is not possible for a producer to negotiate premiums or policy terms with an insurance company on your behalf because an insurance company makes its own decisions according to its procedures, and the premium it charges for any particular product and risk category is just what it charges.

We have not found any source that suggests that consumers should find commission sales people to be their advisors. The blatant conflict of interest implied by any such suggestion would cause it to be ridiculed. Commission salespeople provide product information and take orders for purchases. They are not consultants unless they change roles and charge a fee for consulting work.

Insurance companies and consumers make their own decisions. We provide information and help you apply for coverage according to your choice.