What is a life insurance broker and what do they do?

Answered by 5 licensed agents

As a broker I represent many top rated carriers and I can shop them all to determine which is most favorable in price, flexibility and financial stability along with excellent customer service. These are the factors I look at, not always the cheapest but always the best choice in value and integrity.

Answered by Jack Mayer on August 20, 2026

Broker Licensed in CA

Answered by Jack Mayer Life Insurance Agent
A life insurance broker is an independent licensed professional who represents you, the buyer, rather than a single insurance company. They compare policy features, prices, and options from many different insurance carriers to find the coverage that best fits your budget and personal needs.

Answered by Melanie Blackston on August 20, 2026

Broker Licensed in SC, GA & NC

Answered by Melanie Blackston Life Insurance Agent
A broker and an agent do mostly similar things. A broker owns their own agency and have licensed agents under them. That is the main difference.

Answered by Mark Maliwauki on August 20, 2026

Agent Licensed in ID

Answered by Mark Maliwauki Life Insurance Agent
Term life insurance provides temporary coverage for a set number of years with no cash value. Indexed Universal Life (IUL) is permanent life insurance that lasts your whole life and includes a cash value account tied to a stock market index, like the S&P 500.

Answered by Bill Wheeler on August 20, 2026

Agent Licensed in KY

Answered by Bill Wheeler Life Insurance Agent
A life insurance broker typically:

Asks about your income, debts, family responsibilities, health, and long-term goals.

Calculates how much coverage you may need.

Explains term life, whole life, universal life, and other options in plain language.

Compares rates, benefits, exclusions, and financial strength across carriers.

Matches your health history with companies whose underwriting may be more favorable.

Helps complete the application and prepare for the medical or underwriting process.

Reviews the final offer before you accept it.

Helps with beneficiary updates, policy reviews, and claims support after the policy is issued.

Answered by Tasha Riggs on September 17, 2026

Broker Licensed in CO

Answered by Tasha Riggs Life Insurance Agent

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