The Mccartha Group

ur services are FREE. We are paid by the insurance carriers a commission. In most cases, we can find great products from A+ Rated insurance companies at a better price and value than what a consumer will find online. There are several carriers that do not have huge marketing budgets because they only market through insurance brokers. Therefore, they do not have the big marketing budgets of some of the more well known insurance companies. Those savings reflect to cheaper premiums to the consumer. An insurance broker is especially helpful if there are underwriting concerns. There are a lot of factors that can cause rate ups or even declines from buying life insurance. Some examples can be overweight, diabetes, high blood pressure, high cholesterol, prescription drug use, driving records and even occupations. The experienced life insurance broker can use case managers and underwriters to determine which product and insurance company to apply for. Thus avoiding an unnecessary decline, that can haunt you for years every time you try to purchase life insurance or health insurance. This will not be the case to the novice insurance consumer who unknowingly applies online not knowing the consequences of being declined for life insurance.