Why Use Our Independent Life Insurance Agency?
There are 2 types of life insurance agents: Captive and Independent. Learn the difference to decide what is best for you.
- Captive Life Insurance Agent: A captive insurance agent only represents one company such as State Farm. They can only sell that company’s products. These products are usually more expensive than other options. These companies are also more strict with their underwriting. This means they will charge more for life insurance or may decline you altogether if you have serious health issues.
- Independent Life Insurance Agent: An independent agent represents multiple insurance companies. Some agents may represent 5- 10, but we represent over 70 insurance companies. This allows us to shop dozens of companies to find the lowest rate for your coverage. This also provides us many unique insurance options. Some of our clients started working with a captive agent. However, they were declined for coverage or their coverage was much more expensive than what we found. We were able to earn their business because we saved them money or found coverage for them when other agents could not.
As independent insurance advisers, we work for you and not the insurance companies.
To best serve your needs, we represent over 70 of the top A-rated or better insurance carriers to offer you a wider selection of coverage options while ensuring that the coverage will be there when you need it. Based in beautiful San Diego, California and licensed in several states to provide a superior level of service wherever you may live.
With one call or email, we will shop all of the top carriers on your behalf saving you time, money, and frustration.
Our Mission: To save you time and money on your insurance purchase
Abrams Insurance Solutions is an independent insurance and financial services company dedicated to helping our clients find the best solution at the lowest price. We think outside the box to employ creative and proven strategies to help you manage risk while planning for the future. When working with us, you can expect fast response, extraordinary product knowledge and unmatched service and support. Based in San Diego, we work with clients in all 50 states.
Following are answers to common questions when shopping for insurance.