Insurance Companies Listings and Evaluation guide for insurance agents and brokers

Here's the latest, revised version of the best listings of insurance companies. These are listed in a guide format top 100 votes. The lists are in alphabetical order to help insurance agents and brokers to find an insurer. Find out how your opinion compares. How do you rate an insurance company? I will mention briefly the various ways, showing the method I used for this article, and why.

NUMBER OF AGENTS

This guide lists evaluation method assesses the insurer on the number of insurance agents and brokers currently approved and under contract. with carriers. I think this assessment is not useful for a multitude of reasons. First of all there are a number of health career and life insurance agencies that have thousands of representatives. However, of these, up to 80% of the total agents are relatively new in the attempt to establish credibility in the industry. Four years down the line only 6% of many a force agency insurance company will keep the production needed to remain representatives of career.

Also, find out my results inaccuracy of this method due to the license renewal process state departments of insurance require the insurer. Most services state insurance renewal forms to send reports on an annual basis. There is a fee paid by each agent ins renewed. What makes it difficult is the variation of the bureaucratic procedures other than individual states to remove inactive reps ins. The paperwork consists of expensive, time consuming forms and procedures for the insurance company to make changes. Renew all sales representatives are often less expensive, and frequently takes the path to the insurer. This also gives the right of insurance companies to brag about how many sales people write for them.

Personally, I was shown in a state insurance department licensing records for 11 years after writing my last chance.

Insurance Co ANNOUNCEMENTS FINANCIAL RANKING
There are four or five best independent companies which use this assessment insurer of a society based on a multitude of financial factors. Much has to do with projecting the financial stability of the insurer. This is obtained by cutting closely past and present financial history. It covers areas such as investment insurance run, and the rate of return. An assessment of insurance also takes into account the amount of cash on hand, and what exists in reserves pay current and future claims.

There is a consensus among the members of the Life Insurance Association to believe that the highest rated insurers are the best of the bunch. However, members of the association representing less than 12% of the total base manufacturer. Insurance agents and other intermediaries, (the majority), I disagree that these are always the best to use for the needs of their customers. Logic tells you that a newer quality insurer has no past history to start ranking among the best. In my situation, customers have bought the one who presented it. Almost half the time it was the highest rated company by the rating agencies. But I sold to the customer what their emotional needs required. Many insurance companies with the best ranking in the past 100 after failed financially, and yet it often happens in today's world.

IN RANKING premiums earned

This is a very common type of listing and ranking insurance company for the production. Insurance companies are valued based on the total number of awards have collected that year. It seems rather unfair to mix with all annuity premiums in dollars raised. The producers know that is easier to sell an income $ 20,000 $ 20,000 premium of an insurance policy term. The other fault I find with the use of total premiums collected is with those who actually contributed a piece of premiums collected. With some companies a huge amount of these awards have not been collected from a normal person sales. A lot of institutional buyers directly bought hundreds of thousands of dollars of annuity premiums.

RATING BE IMPORTANT FOR SELLERS health and life

This is my way. How fair and balanced in terms of representative as feasible. Premiums are collected from 1,500,000 agents, trying to make a living selling insurance policies in this area. Often these sales are made one by one. Moreover, of these independent brokers 450.00, semi-independent, agents and some repetitions of writing career, depending on which company, 50% to 100% of that activity co insurance.

This method of judgment is required because I find the list of insurance companies is intended to be a beneficial directory. One that independent brokers, semi-independent agents, along with some other career can apply. This directory is a guide for other insurers that you can consider writing production.

The list of insurance companies and guide for the first 100 votes are deliberately arranged in alphabetical order instead of the data or financial rewards. You may not completely agree with the list, because we have left some companies with a high percentage of business sold annuities and investment products.

In the eyes of a typical broker health and life, this guide is for health and life insurance companies is as accurate as possible.

1. Aetna 2. AIG Life Insurance Company ** 3. Allianz Life Insurance Company of North America 4. American Family Life Assurance Co. of Columbus 5. American Fidelity Assurance Company 6. American General Life and Accident INS Co ** 7. American General Life Insurance Co ** 8. American Income 9. American Memorial 10. American National Life 11. Americo Financial Life And annuity 12. Anthem Blue Cross Aurora National Life Assurance 13 14 Aviva annuity and Company 15. 16.Bankers AXA Equitable Life and Casualty Company 17. Banner 18. Beneficial life 19. C.M. 20 Life Ins. Colonial Life and Accident 21. Columbus Life 22. Conseco Life 23. Farmers New World 24. First Penn-Pacific 25.Forethought 26. American General 27. Genworth 28. Gerber 29. Great American 30. Great-West Life and annuity 31. Guardian 32. Hartford Life and Accident Ins 33. Hartford 34. Homesteaders 35. Indianapolis Life 36. ING 37. Jackson National 38. John Hancock 39. John Hancock Life Insurance Company USA 40 .. Kansas City Life 41 .. Lafayette 42 .. Liberty Life Assurance Co. of Boston 43 .. Liberty National 44 .. Life Ins Company of North America 45. Life Ins Company of the Southwest 46. Life Investors Ins Co of America 47. Advantage Lincoln 48. Lincoln Heritage 49. Lincoln National 50. Massachusetts Mutual 51. Metropolitan 52. Midland National 53. Minnesota Life 54. Monumental Life 55. MONY - 56 America. MONY - New York 57. National Guardian 58. National Life 59. New England Life 60. New York Life Ins and Annuity Corporation 61. New York Life 62. North American Co. for Life and Health Ins. 63. Northwestern Mutual 64. Ohio National Life 65. OM Financial 66. Pacific Life 67. Penn Mutual 68. Phoenix Life Ins 69. Primerica 70. Principal 71. Protective 72. Provident Life and Accident 73. Pruco 74. Prudential - America 75. Reassure America 76. Reliance standard 77. ReliaStar 78. Riversource 79. Security Life of Denver y 80. Standard 81. Stonebridge 82. Sun Life and Health 83. Sunset 84. Surety 85. Symetra 86. Transamerica 87. Transamerica Occidental 88. Trustmark 89. Budget of the United States 90. Central Union 91. Union Security 92. United Healthcare 93. United Ins Company of America 94. Investors United 95. 96 United of Omaha. United States life 97. Unum 98. West Coast 99. Western and Southern Life 100. Western Reserve Life Assurance Co. of Ohio Note: Sagicor Life, Forest Service, and Illinois should see each other on the bottom 3 lists, instead of the companies listed above as # 6, 2, and 7.

** AIG Life Insurance Company, American General Life, American General Life and Casualty comments

This group of companies used to be one of the highest generation of high quality, high insurance companies classified in the United States. Yet, after two massive federal bailouts, the future is uncertain. Consequently, AIG Life is no longer worthy to be on this top 100 list guide.

GUIDE TO LISTING questionable Life Insurance Company

The following insurance companies insertions can often be included in some different types of charts top 100 Life Ins company if you are considering awards. Sometimes the prizes consist of a considerable amount of annuity premiums. Again, insurers would be counted, where most of the sales do not come from representatives and salespeople. Instead it is written emergency stocks by brokerage firms, independent brokerage and investment contracts not governed by the variable insurance services. In other cases, products may be directly strictly toward teachers, military, or credit unions. In a few cases, there are companies with pending litigation. A representation of this mix of insurers listed below:

1. Cuna Mutual 2. Genworth Life and annuity 3. Hartford life and annuity y 4. John Hancock Variable Life 5. Mayflower National 6. Metlife - Connecticut 7. MetLife Investors USA 8. MML Bay State 9. National 10. Life at the national level and yield 11. NYLife of AZ 12. PHL Variable 13. Sun Life Assurance Co of Canada 14. Teachers Ins and Annuity Assoc of America 15. USAA 16. Shenandoah - financial difficulties

There are a total of over 600 licensed Life / Health Companies "active" in every U.S. state. However, some are not currently writing new business. In addition, there are many active in only one or a few states, so that you will find them missing from the lists best insurance companies. Most states have a real list of 220-330 counts real life and home health offices are currently accepting new cases authorized agents and brokers.

Predition Advisor. If I choose the provider from the lists above, Forest would be my first choice as the next rising star. Its innovative niche products are starting to create a strong demand. Also look at Genworth, its stock value has grown and the company is very adaptable to market opportunities .......