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  2. Do I Need a Financial Advisor or Insurance Agent? - AOL

    www.aol.com/finance/financial-advisor-insurance...

    An insurance agent's main job is to sell you an insurance policy, not necessarily give comprehensive financial advice. A financial advisor who's also a licensed insurance agent, on the other hand ...

  3. What is an insurance broker? - AOL

    www.aol.com/finance/insurance-broker-155457276.html

    Insurance brokers work with you to find the right insurance policy and can answer questions you have about coverage and risk, but they don’t handle any other part of the process — unless they ...

  4. Guide to life insurance

    www.aol.com/finance/guide-life-insurance...

    Life insurance is designed to provide financial protection for your chosen beneficiaries. Term life insurance is generally affordable with coverage lasting 10 to 30 years, while permanent life ...

  5. Insurance broker - Wikipedia

    en.wikipedia.org/wiki/Insurance_broker

    An insurance broker is an intermediary who sells, solicits, or negotiates insurance on behalf of a client for compensation. An insurance broker is distinct from an insurance agent in that a broker typically acts on behalf of a client by negotiating with multiple insurers, while an agent represents one or more specific insurers under a contract.

  6. Independent insurance agent - Wikipedia

    en.wikipedia.org/wiki/Independent_Insurance_Agent

    Often, independent insurance agents will work with insurance intermediaries, who obtain quotes from multiple insurance providers and pass them off to the independent agent. Working with an insurance intermediary service allows the independent agent to review many quotes and offer their clients the best policy options available.

  7. Medical underwriting - Wikipedia

    en.wikipedia.org/wiki/Medical_underwriting

    As part of the underwriting process, an individual's health information may be used in making two decisions: whether to offer or deny coverage and what premium rate to set for the policy. The two most common methods of medical underwriting are known as moratorium underwriting, a relatively simple process, and full medical underwriting, a more ...

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