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Union Central Life Insurance Company

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UNIFI Mutual Holding respects the individuality of its subsidiaries, but likes to keep them all in one place. The result of a 2006 merger, UNIFI Mutual Holding owns Ameritas Holding, which in turn owns three subsidiaries: Ameritas Life, Acacia Life, and Union Central Life. All three companies provide life insurance and annuity products nationwide. Through its companies, UNIFI offers such services as financial planning and workplace investing, and has some $40 billion of assets under management. Other companies under its umbrella include socially responsible mutual fund manager Calvert Group, Acacia Federal Savings Bank in Virginia, and Ameritas Group, which offers dental and eye care insurance.

Financial Calculators

 College Planning & Funding   Credit & Debt Management
 Estate Planning  Finances, Budgeting and Cash Flow
 Home Mortgage  Investing
 Paychecks & Employee Benefits  Retirement Planning
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Union Central/Ameritas Life
Address1 1876 Waycross Road
Address2 P.O. Box 40888
City Cincinnati
State OH
Zip 45240
Phone Number 513/595-2200
Fax Number 513/595-5418
WebPage www.unioncentral.com
 
 

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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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