THIS WEB SITE WILL BE UPGRADED ....SOON
- “Gill Insurance Agency” the largest Crop Insurance Underwriter in Northern California
Brewart Insurance Celebrates Diwali at Beverly Hills, California
Govt introduces insurance sector reforms bills in Parl-
foreign investment cap to 49 per cent
Doctor couple, convicted of health plan fraud by Federal
Jury in Maryland
Brewart's participation in NRI community
NRIs involved in 12 fraudulent collisions, Civil action
by Insurance Company
for NRIs and their families when visiting India (India_1_06)
to spread wings in Africa, New Zealand (05_03)
Intl starts 3 plans for Gulf NRIs (05_02)
seeks Rs 100 cr life cover from LIC (05_0
Working With An Agent
Many insurance agents represent several insurance companies.
They have a sense of what kinds of risks each one is willing
to take on. When you work with an agent, they can steer
you toward the companies that are most likely to accept
you at their “preferred rates” — meaning
you get the most savings.
And many agents have professional relationships with the
underwriters at the companies they represent. That means
they can “shop quietly.” They can contact those
underwriters and — without formally applying —
get an idea of whether your application would be accepted,
and what rates you’d qualify for.
That's just one of the reasons why working with an agent
is a good idea.
To get matched with agents licensed in your area, fill
out this short form. You'll get free insurance quotes from
professional agents, with no obligation to buy anything.
What An Underwriter Does:
Insurance is based on risk. When you get an insurance policy,
the insurance company is taking on some of your risk. For
example, if you drive a car, you have a risk that your car
will be damaged in an accident. Having auto insurance means
that if the car does get damaged, the insurance company
will pay for the repairs. By having a policy, your risk
The insurance company makes up for the risk it takes on
by charging premiums and setting deductibles. If a company
charges too little, it could go bankrupt when large claims
are filed. But if a company charges too much, it will lose
business to its competition.
An underwriter’s job is to make sure that the insurance
charges just the right amount for the coverage it provides.
They figure how much risk you represent, how much coverage
the company can offer you, and how much that coverage should