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Presidential Life



 
Presidential Life,
located on the west bank of the Hudson River in Nyack, New York, is a leading provider insurance brokerage products financial service professionals
 

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Founded in 1965, the company‚Äôs steady growth and expanding national presence in the insurance brokerage industry has been built around a core set of values - people, product and patience.  The approach has been to center the development, marketing and sale of Presidential Life products around the people involved in the process. In this context, everyone must benefit: not just the company, but also the financial service professionals marketing our products and especially their clients who are using our products and relying on Presidential Life to help them achieve personal financial security. Presidential Life insurance brokerage takes pride in the fact that their service to financial service professionals, insurance brokerage firms, and their clients is among the best.

Presidential Life is a New York-domiciled, New York-regulated life insurance and annuity company that has been helping people just like you achieve financial security since 1965. From its modest local beginnings in Rockland County, Presidential has developed into a company with a national network of regional sales directors supporting a field force of more than 16,500 independent financial services professionals active in 49 states and the District of Columbia. Annual sales of approximately $250 million in premium today, and the Company's assets exceed $3.7 billion (statutory), of which 442 million represents the Company's capital and surplus (IMR & AVR).

A.M. Best, the oldest insurance rating agency in the United States, has determined that Presidential Life is financially strong and has given it a rating of B+ (Good), citing the company as having a good ability to meet their ongoing obligations to policyholders.

Presidential Life Insurance Brokerage Products

 

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  P.O. Box 30248
  Charleston, SC 29417
  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 insurers 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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