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Ft Dearborn Life Annuities



     

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Fort Dearborn Life is there for those who want to provide for their dear ones. Fort Dearborn Life Insurance offers employee benefits including group life and disability insurance products throughout the US. Its products include annuities, dental plans, discount prescription drug programs, and critical illness benefit plans. Fort Dearborn Life also offers individual life insurance and annuity products. Along with its sister company Colorado Bankers Life Insurance, the company is part of Health Care Service Corporation's Preferred Financial Group. Fort Dearborn Life Insurance was founded in 1969.

Blue Cross and Blue Shield of Oklahoma provides a variety of health insurance products and related services to about 835,000 members in the state of Oklahoma. The company offers managed care plans for both individual consumers and employer groups. Its products include its BlueLincs HMO, Blue Choice and Blue Preferred PPO plans, and Health Check individual plans. The company's HSA Blue plan pairs a high-deductible PPO with a health savings account. Blue Cross and Blue Shield of Oklahoma also provides dental insurance, as well as Medicare supplemental insurance and Medicare Advantage plans. The company is part of the Health Care Service Corporation.
 
 
Fort Dearborn Life Insurance Co Inc
1020 31st St
Downers Grove, Illinois  60515-5501
Type: Subsidiary
On the web: http://www.bcbsok.com

The parent company of BCBS is Wellpoint Inc.

Blue Cross and Blue Shield of Oklahoma
1215 S. Boulder
Tulsa, OK 74119-2827
OK Tel. 918-560-3500
Fax 918-560-3060

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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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