Fidelity Life Impaired Risk Plans

     

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Fidelity Life

Fidelity Life Stock Chart

An odd duck. It's a mutual company, but it had been closely affiliated with a Chase insurance company (as well as Bank One and the Zurich Insurance Group), sharing the same management. That management services agreement ended in 2005, and the Board of Directors has approved a plan to convert to a mutual holding company. Next steps: Approval by state regulators and policyholders
Fidelity Life Association
Address1 P.O. Box 9269
Address2 -
City Oak Brook
State IL
Zip 60522
Phone Number (877) 704-6279
Fax Number -
WebPage www.FidelityLifeAssociation.com
 
 

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  P.O. Box 30248
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  800-406-6303     843-769-9804 fax

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A Tale Of Two Agents


Captive Agent
 

An agent working exclusively for a single firm. He or she is obliged to submit business only to that firm, or at least give that firm first rights of refusal on the case.

Captive agents that are non-established are usually paid on a combination of salary and commissions earned from selling the policy contract. Also, the firm usually provides its captive agents with an allowance for office expenses as well as employee benefits such as pensions, life insurance, and health insurance. 

The established captive agent is usually paid exclusively on a commission basis.  This type of agent will tend to have more in-depth knowledge of that firm's policies, however, he or she will hardly ever be equipped to offer the industries' best price on any particular product offering.


Independent Agent Broker

Simply said, independent agents are appointed to sell policies from many insurers. The agent is independent from all the companies thus, the independent agent's responsibility is solely focused on evaluating the client's needs and the pricing of the product chosen.

While searching for the brokerage market's best place for a client's business, independent agents pay all their own expenses and keep their own records and earn their income from brokerage commissions on the policies they sell.

 

 


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