Insurance Businesses Listings and Ratings Manual For Insurance Agents & Brokers

21 Nov

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Right here is the newest, revised version of the finest insurance businesses listings. These are compiled in a top rated one hundred ratings guide format. The listings are in alphabetical order assisting insurance agents & brokers find an insurer. Discover out how your opinion compares. How can you possibly rate an insurance organization? I will mention briefly the various approaches, show you the strategy I is employed for this post, and why.


This ratings guide listing technique evaluates the insurer by the sheer number of insurance agents & brokers at present licensed and under contract. with carrier. I feel this evaluation to be worthless for a multitude of reasons. First of all there are a quantity of career health and life insurance agencies that have thousands of representatives. Even so, of these,up to 80% of the total agents are fairly new in attempting to establish credibility in the business. Four years down the line only 6% of numerous an insurance organization agency force will preserve enough production to keep career representatives.

Furthermore, my findings uncover inaccuracy of this technique due to licensing renewal approach state insurance departments impose on the insurer. Most state departments of insurance send the renewal report forms on a yearly basis. There is a fee to be paid by every single ins agent renewed. What makes it hard is the variation of different paperwork procedures by person states for removing non-active ins reps. The paperwork consists of costly, time consuming types and procedures for the insurance business to make any alterations. Renewing all the sales representatives is typically cheaper, and hence the route the insurer often takes. This also gives the insurance business bragging rights to how several sales men and women write for them.

Personally I was shown in state insurance division records as licensed for 11 years immediately after I wrote my final situation.

There are 4 or five leading independent firms that use this insurer rating of a business based on a multitude of financial aspects. A lot has to do with projecting the monetary stability of the insurer. This is achieved by closely dissecting past and present financial history. It covers how the insurer investments perform, and the rate of return. An insurance evaluation also requires in consideration the amount of cash on hand, and how much exists in reserves to spend present and future claims.

There is a consensus amongst life insurance association members into believing that the highest rated insurers are the greatest of the bunch. But association members make up less than 12% of the total producer base. The other insurance agents and brokers, (the majority), do not agree that these are often the greatest ones to use for their client’s requirements. Logic tells you that a newer good quality insurer does not have previous history to start out best ranked. In my circumstance, customers purchased what I presented them. Virtually half the time it was NOT the highest rated organization by the rating firms. I however sold the client what their emotional requirements demanded. Many previous insurance companies with rankings in the very best 100 later financially failed, and nonetheless frequently do in today’s globe.


This is a very common kind of insurance organization listing & ranking to create. Insurance companies are rated by total quantity of premiums they collected that year. It appears rather unfair to mix annuity premiums in with all dollars collected. Producers know it is less difficult to sell a $20,000 annuity than a $20,000 premium phrase insurance policy. The other fault I find with making use of total premiums collected is with who truly contributed a chunk of the premiums collected. With some companies an enormous quantity of these premiums had been not collected by the typical sales person. A lot of institutional purchasers straight 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, attempting to make a living by selling insurance policies in this industry. Usually these sales are carried out one by one. Plus, of this 450,00 independent brokers, semi-independent agents and some career reps compose, depending on which business, 50% to 100% of that insurance co company.

This rankings technique is imposed simply because I uncover the insurance businesses listing is intended to be a helpful directory. One particular that independent brokers, semi-independent representatives, along with some career reps can turn to. This is a manual directory to other insurers that you could consider writing production for.

The insurance companies listing and ratings guide to the top one hundred is purposely placed in alphabetical order as an alternative of by premium or monetary information. You may not agree fully with the listing, due to the fact we have left in some organizations with a sturdy percentage of organization sold in annuities, and investment items.

In the eyes of a standard health and life broker, this guide is of health and life insurance businesses is about as precise as possible.

1. Aetna 2. AIG Life Insurance Company** 3. Allianz Life Insurance Company of North America 4. American Family members Life Assurance Co of Columbus 5. American Fidelity Assurance Company 6. American Common Life and Accident INS Co** 7. American Basic Life Insurance Co** 8. American Revenue 9. American Memorial 10. American National Life 11. Americo Monetary 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 Organization 17. Banner 18. Helpful Life 19. C.M. Life Ins 20. Colonial Life & Accident 21. Columbus Life 22. Conseco Life 23. Farmers New Planet 24. Very first-Penn Pacific 25.Forethought 26. Common American 27. Genworth 28. Gerber 29. Wonderful American 30. Great-West Life & Annuity 31. Guardian 32. Hartford Life and Accident Ins Company 33. Hartford 34. Homesteaders 35. Indianapolis Life 36. ING 37. Jackson National 38. John Hancock 39. John Hancock Life Insurance Business USA 40.. Kansas City Life 41.. Lafayette 42.. Liberty Life Assurance Co of Boston 43.. Liberty National 44.. Life Ins Firm of North America 45. Life Ins Business of the Southwest 46. Life Investors Ins Co of America 47. Lincoln Benefit 48. Lincoln Heritage 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 Monetary 66. Pacific Life 67. Penn Mutual 68. Phoenix Life Ins 69. Primerica 70. Principal 71. Protective 72. Provident Life and Accident 73. Pruco 74. Prudential – America 75. Reassure America 76. Reliance Regular 77. ReliaStar 78. Riversource 79. Security Life of Denver y 80. Regular 81. Stonebridge 82. Sun Life and Wellness 83. Sunset 84. Surety 85. Symetra 86. Transamerica 87. Transamerica Occidental 88. Trustmark 89. U.S. Monetary 90. Union Central 91. Union Security 92. United Healthcare 93. United Ins Company 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 must appear on the bottom 3 listings, replacing the organizations listed above as #6, 2, and 7.

**AIG Life Insurance Business, American Common Life, American Basic Life and Casualty Comments

This group of organizations Employed to be one the highest premium creating, and highest ranked insurance organizations in the United States. Still, immediately after two huge Federal Bailouts, the future is uncertain. Therefore, AIG Life is no longer deserving of getting on this best 100 list manual.


The following insurance businesses listings frequently could be included in various kinds of some top 100 Life ins firm rankings IF you were evaluating premiums written. Sometimes the premiums consist of considerable amounts of annuity premiums. Also counted in would be insurers exactly where a large portion of sales do not come from representatives and sales people. Instead it is written by safety stock brokerage companies, and independent broker-dealers of variable investment contracts not governed by insurance departments. In other circumstances, goods might be directly strictly toward teachers, the military, or credit unions. In a couple cases, there are firms 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 troubles

There is a grand total of more than 600 Licensed Life/Well being Companies “active” in each state of the United States. Even so, some are not presently writing new company. In addition, there are many active in only one particular or a handful of states, so you will find them missing from the top rated insurance organization listings. Most states have a true actual listing count of 220 to 330 life and wellness residence offices presently accepting new instances from licensed agents & brokers.

Advisor’s predition. If I decide on from the provider listings above, Foresters would be my leading choose as the next increasing star. Its progressive niche items are starting to produce a higher demand. Also watch Genworth, its stock worth has zoomed and the organization is very adaptive to market place opportunities.

21 Responses to “Insurance Businesses Listings and Ratings Manual For Insurance Agents & Brokers”

  1. Fidel January 13, 2013 at 9:07 pm #

    You will find more health insurance providers with a more compact pool of policy purchasers (simply because it is simply too costly) and they’re still making huge profits. Remember what it really was before after which produce a solution.

  2. Irvin January 31, 2013 at 9:55 pm #

    I’m speaking about completing and filing all the neccessary paperwork and possiblely getting insurance for that organization.

  3. Garfield January 31, 2013 at 11:41 pm #

    I’m writing a paper that needs me to locate a business or company that will fund a healthcare organization or social program. This program is always to train youthful people (age range 18 to 25) free of charge on fundamental healthcare, for example CPR, taking bloodstream pressure, etc. Things people ought to know how to complete in desperate situations situation or maybe the situations simply warrants it. Does anybody are conscious of any organizations or firms that would fund this kind of factor? I have been attempting to look but haven’t develop anything.

  4. Bill February 1, 2013 at 5:33 am #

    I recieve concerned about my girlfriend because she does not have medical health insurance. I’m insured through my job, what exactly are her options? Can there be something she will subscribe to? If she’s health problems I wish to realize that she’ll have the ability to afford any necessary treatment. Thanks.

  5. Queenie February 1, 2013 at 10:15 am #

    My husband is interested in becoming an insurance adjuster. Are there any other licenses he needs to get before he does this?? Thanks!
    So, if he had ONLY the adjusters license, where could he get hired? Or would he have to work independently?

  6. Denver February 10, 2013 at 6:24 am #

    I want to start a cheerleading organization in my small town, but i dont know anything about making it non-profit and getting a federal id number and such. i need help

  7. Abe February 13, 2013 at 5:57 pm #

    It is said that Insurance companies shall pay a part of 660 Million $ paid on behalf of Roman Catholic Archdiocese of Los Angeles to settle Clergy Sex Abuse of children.

    I understand Insurance on Accidents as accidents do happen, but sexual abuse is intentional.

    Will that not encourage the Abusers?
    I tried to get information on the link you provided at both Yahoo & Google but it said no such kinks.
    Sorry Brother
    I wrote Rahul instead of Rohit.

  8. Ranae February 15, 2013 at 3:20 pm #

    I’m still in high school but for my senior project my idea is to start working towards (if I can’t establish) a nonprofit organization for young women.

    What steps should I take to get started? Any ideas on other organizations I can get ideas from and volunteer service done with too?

  9. Dusty February 20, 2013 at 6:16 pm #

    What exactly is life insurance and how does it work?

    I don’t understand, won’t you be dead or something so what does it do for you?

    What happens if it doesn’t get cashed in, what does that mean?

    Sorry I don’t understand, please explain.

  10. Karin February 25, 2013 at 5:18 am #

    I have no medical insurance because we can’t afford it at all and I don’t qualify for Medicaid cause my husband makes right over the qualified amount! I did a self breast exam and found sooo many lumps in my left breast and if I squeeze my nipple clear whitish liquid comes out! Im very worried and don’t know what to do! I don’t have money to just go to the doctor and Im sure all the test needed is very very expensive!

  11. Chester February 28, 2013 at 2:58 am #

    Insurance Corporations and Pharmaceutical Corporations

    1: a state of intense fear

    2 a: one that inspires fear : scourge b: a frightening aspect c: a cause of anxiety : worry d: an appalling person or thing ; especially : brat

    3: reign of terror

    4: violent or destructive images (as on Fox News or Rush Bimbo) committed by groups in order to intimidate a population or government into granting their demands

  12. Tad March 2, 2013 at 1:52 am #

    nonprofit organization is renting out part of facility to another nonprofit group. Where can I find a rental agreement form? Are there issues that we should be aware of to include in the agreement?

  13. Lane March 15, 2013 at 9:35 am #

    -This is a not-for-profit organization
    -Only 4 full-time employees

    The board is saying they heard this is illegal to do.

  14. Clara April 19, 2013 at 4:20 pm #

    Some religious orgnaizations, Cathlic in particular, feel their health insurance plans should not cover the cost of contraception or other related serivces for women because this is against their doctorine. Even though they higher (supposedly) persons of all or no faiths. I feel this is a gross voilation of women’s rights. Opinions?
    Try, if you would to see it from a human rights point of view. I wonder if these same organizations offer paid maternity leave? I’m guessing not all.

  15. Vernon May 3, 2013 at 7:57 am #

    AARP just seems like a conservative, insurance selling organization. Anyone know of a group that is a voice for the ‘over 50 and educated’ demographic? Thanks!

  16. Hoa June 9, 2013 at 2:04 pm #

    How can I start a non-profit organization that for free mows lawn for old people, rakes leaves and plows snow? I already have the supplies but are there any forms I need to fill out or certification on licenses or approval by courts in Virginia?

  17. Denae June 20, 2013 at 10:54 pm #

    I’m not a legal adult, but I want to start a non-profit organization to help the homeless people in my city. How do I go about starting one? Is there any suggestions you can give me? And should I help the homeless people or homeless pets? I care about both causes, but which one should I choose?
    Thanks in advance.

  18. Rafael June 24, 2013 at 10:58 am #

    I would like to contract with some good and well known IMO’s and/or FMO’s, but I can’t find a list of insurance marketing organizations anywhere.

    Does anyone have a list of 5 or so good IMO’s/FMO’s you’d recommend me calling who specialize in contracting Life/Health agents?


  19. Breana June 24, 2013 at 1:10 pm #

    We just opened a nursing agency, the nurses that work with us are not our employees, we contract with them for a period of time, and contract with a medical facility for the nurse’s services. We have checked with 5 different insurance agencies for workman’s compensation, and we have been told that there is no market for workman’s compensation for subcontractors. Workman’s compensation is optional in TX. What other kind of insurance do we need?

  20. Danilo August 16, 2013 at 7:14 am #

    what is unemployment insurance? Is an organization required to pay unemployment benefits to all dismissed employees? Explain how you would go about minimizing your organization’s unemployment insurance tax.

  21. Rodney September 1, 2013 at 4:53 pm #

    Hello friends…
    i am a law graduate. i got the information about the vacancy in an insurance company. but advertisement is not published yet. so i want to submit an application before that.
    so please friend since my english is very poor send me a specimen of the application.

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