MENU
Our Services
Support that goes beyond connections — built for long-term broker success.
Our Products
Well-supported solutions built for real client needs.
Broker Support Network partners with leading carriers to give brokers access to competitive, reliable products—backed by education, clarity, and ongoing support so you can sell with confidence.
Life Insurance
Protection that builds trust and long-term relationships.
Life insurance solutions designed to help your clients protect what matters most—while giving you the support you need to guide them confidently through every option.
Term and permanent life insurance options, including IUL's
Clear product education and positioning support
Competitive carrier relationships
Resources to help explain coverage simply and effectively
Why is life insurance important?
Life insurance helps protect the financial security of loved ones if income is lost due to death. The benefit can be used to cover everyday expenses, outstanding debts, and future financial needs.
What does life insurance typically cover?
Life insurance benefits can help pay for funeral costs, medical bills, housing expenses, debts, education costs, and long-term financial goals such as retirement or business continuation.
Who should consider life insurance?
Anyone with financial dependents should consider life insurance. This includes parents, partners, business owners, stay-at-home parents, and retirees planning for estate or legacy needs.
What types of life insurance are available?
There are two main types:
1. Term life insurance, which provides coverage for a specific period
2. Permanent life insurance, which offers lifelong coverage and may build cash value
Some individuals choose a combination of both to meet different financial goals.
How much life insurance is typically needed?
Coverage depends on income, expenses, debts, and long-term goals. A common guideline is 10–15 times annual income, though individual needs vary.
How much does life insurance cost?
Costs vary based on age, health, policy type, and coverage amount. In general, premiums are lower for younger and healthier applicants, and term policies are typically more affordable than permanent coverage.
Who can be named as a beneficiary?
Beneficiaries can include individuals, trusts, charities, or estates. Primary and contingent beneficiaries can be named, along with how benefits are distributed.
What is the application process like?
Life insurance applications go through underwriting. Some policies require medical exams, while others offer simplified underwriting with faster approval but limited coverage amounts.
What if coverage is declined?
If an application is declined, additional options may still be available. Working with a knowledgeable professional can help identify alternative solutions or carriers.
When should life insurance be reviewed?
Policies should be reviewed annually and after major life events such as marriage, having children, starting a business, or retirement to ensure coverage remains appropriate.
What are living benefits?
Some policies include living benefits that allow access to a portion of the death benefit in cases of serious illness or injury, helping cover expenses while still living.
How are life insurance benefits paid?
Benefits are typically paid as a lump sum to beneficiaries after a claim is filed and approved. Payment timelines vary by insurer and policy terms.
Annuities
Income solutions built for stability and confidence.
Annuity products that help clients plan for retirement with clarity, while giving brokers insight and support throughout the sales process.
Fixed and indexed annuity options
Straightforward explanations for complex products
Training to support compliant, confident recommendations
Tools to help align solutions with long-term client goals
How can an annuity help?
An annuity provides a guaranteed income stream for a set period of time or for life. It’s designed to help reduce the risk of outliving retirement savings and create predictable income.
Do annuities make sense for everyone?
Annuities are often used by individuals who expect a gap in retirement income. They may be a good fit for those seeking stability, predictability, and long-term income planning.
What types of annuities are available?
Common types include:
- Fixed annuities, which offer predictable growth
- Variable annuities, which allow for market participation
- Immediate annuities, which begin paying income quickly
- Deferred annuities, which provide income at a future date
What are the key benefits of annuities?
Annuities can offer guaranteed income, tax-deferred growth, and options to continue payments to a spouse or beneficiaries. Many annuities also bypass probate, allowing assets to transfer directly to heirs.
What if financial needs change after purchasing an annuity?
Many annuities offer built-in flexibility or optional features that allow access to funds or changes to payment terms. Some adjustments may involve fees, depending on the contract.
Are there fees associated with annuities?
Fees vary based on the type of annuity and the guarantees selected. Costs are generally tied to the level of income protection and risk assumed by the insurance company.
What should be considered before purchasing an annuity?
Important considerations include access to funds, potential tax implications, inflation protection, and long-term commitment. Understanding these factors helps ensure the annuity aligns with overall financial goals.
What happens to an annuity at death?
Depending on the annuity’s structure, payments may continue to a spouse or beneficiaries, or any remaining value may be distributed directly—often without going through probate.
Where are annuities purchased?
Annuities are offered by life insurance companies and are typically purchased with guidance from a financial professional. This helps ensure the annuity’s features, income structure, and benefits align with individual needs.
Long-Term Care
Planning ahead for care, dignity, and peace of mind.
Long-term care solutions that help clients prepare for the unexpected—supported by education and guidance to simplify conversations.
Traditional and hybrid long-term care options
Resources to help clients understand future care planning
Support navigating product features and eligibility
Education to position long-term value and protection
Frequently Asked Questions
Why consider long-term care insurance?
Long-term care insurance helps cover the cost of care if a health condition requires ongoing assistance—at home or in a care facility. It protects personal assets, reduces the burden on family members, and provides more control over care decisions.
Do I need long-term care insurance?
While it’s impossible to predict future care needs, most people will require some form of long-term care during their lifetime. Coverage offers peace of mind and helps prevent financial strain later in life.
What types of long-term care coverage are available?
Options include traditional long-term care insurance, hybrid life insurance policies with long-term care benefits, and life insurance with long-term care riders.
What does long-term care insurance typically cover?
Policies may cover in-home care, adult day care, assisted living, nursing homes, and memory care facilities. Coverage details vary by policy.
How much coverage should someone consider?
Coverage needs depend on budget, health history, financial goals, and local care costs. A financial professional can help determine an appropriate amount.
When is the best time to buy long-term care insurance?
Many people explore coverage in their 40s or 50s, when premiums are generally lower. Coverage is still available later, though costs often increase with age.
When do benefits begin?
Most policies include an elimination period—commonly around 90 days—before benefits begin. Coverage typically starts when the insured can’t perform two daily living activities or has cognitive impairment.
How does the claims process work?
After meeting eligibility requirements, the policyholder submits a claim with supporting medical documentation. The insurer reviews the information and determines benefit eligibility.
Disability Income
Income protection when life takes an unexpected turn.
Disability income products designed to help protect earning power—supported by tools that make the process easier for both brokers and clients.
Individual disability income solutions
Clear guidance on coverage levels and benefit options
Support explaining complex policy details
Tools that simplify applications and approvals
Why is disability insurance important?
Disability insurance helps protect your income if an illness or injury prevents you from working. It provides a portion of your paycheck during periods when you’re unable to earn, helping cover everyday expenses.
Do working individuals need disability insurance?
Anyone who earns income should consider disability insurance. A disability can happen at any point in a working career, and coverage helps reduce financial strain if work is temporarily or permanently interrupted.
What types of disability insurance are available?
There are two main types:
- Short-term disability, which typically covers income for a few months
- Long-term disability, which can provide benefits for several years or longer
How much disability insurance should someone consider?
Coverage needs are based on monthly expenses, existing benefits, and personal savings. Disability insurance is designed to help close income gaps if work isn’t possible.
How can disability insurance be obtained?
Coverage may be available through an employer, a professional organization, or by purchasing an individual policy. Individual policies often offer greater flexibility and portability.
How much does disability insurance cost?
Costs vary based on age, health, occupation, benefit amount, and policy terms. Many long-term individual policies typically cost a small percentage of annual income.
When should a disability policy be reviewed?
Policies should be reviewed after major life or career changes—such as a new job, marriage, increased income, or new financial responsibilities—and at least once a year.
How do disability insurance benefits begin?
To receive benefits, a claim must be filed and policy requirements met. Most policies include an elimination period, or waiting period, before benefits are paid.
Ready to strengthen your carrier network and elevate your impact?
Connect with Broker Support Network to explore product access, training, and support tailored to your business.
