Disability Insurance: The Broker Advantage

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When it comes to shopping for individual disability insurance, what is the difference between working with an agent or a broker? An agent is employed by an insurance company and has a financial incentive to show only that company. Depending on your situation, it may or may not be the best fit. But if you are working with an agent, …

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Disability Insurance Direct

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Buying Disability Insurance Directly from Companies People often wonder if they can simply contact a company and purchase a disability insurance policy directly from them. The answer is “no.” Let’s say you shop around for disability insurance online and decide you like XYZ company. You then contact XYZ company and tell them you would like to purchase a disability insurance …

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Disability Insurance Broker—What difference does it make?

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When shopping for a disability insurance policy, it is important to distinguish the difference between working with an agent and a broker. An agent is an employee of a company.  Agents typically have incentives to sell the products from their company and are discouraged or even disallowed to shop around.  If you work with an agent, you are only seeing …

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