Finding national life insurance agents to meet the needs of your business can seem like a daunting task. A policy of this nature if offered by many businesses, though, and it is one the benefits that can help sell you to quality employees. The better benefits you offer, the more appealing your place of work is to potential new hires.

Finding national life insurance agents and brokers can help you cost compare policy options. It can also give you an opportunity to decrease your overall insurance expenditure because multiple policy lines are often cheaper than a single policy. More coverage equals greater savings.

To make the most of national life insurance brokerage and agent resources:

1. Start by running a comparison of national life insurance brokerage and agent sources.

2. Speak to your current insurance agent to see if they offer business life insurance policies, and if so see how their prices compare to nationwide averages.

3. Speak to a service representative at your top locations to answer any questions you might have as to the extent of the coverage.

Action Steps
The best contacts and resources to help you get it done

Run quotes from US life insurance agents & brokers

Use a quote finder to find national Life insurance brokerage services.

I recommend: Obtain a business life insurance quote from Spectrum Insurance Group. Run a quote finder from 4freequotes.com. Safeco Insurance Company of America also offers quote services.

Seek out well known national life insurance agents

There are many well known national life insurance agents in the business. Consider a company that is well established to fit your business's needs.

I recommend: State Farm offers quality business life insurance as a well known, reliable source for coverage. They offer a wide variety of options including business continuation coverage (what would happen to your business if you pass away), key employee coverage (what would happen if a key employee that is integral to the success of your business would pass away) or employee benefit coverage. Wachovia offers variable life insurance, term life insurance as well as universal life insurance options to businesses. See what business life insurance from Wells Fargo has to offer. They offer both key person life insurance and term life insurance. Find out about the policies that Massachusetts Mutual Life Insurance Company offers including split dollar plans, executive bonus plans, non-qualified deferred compensation plans, group term carve-out and buy-sell agreements.

Find more national life insurance agents

There are an even greater number of national life insurance agents out there who would be honored to have your business. Consider other national chains, including those that aren't as widely known.

I recommend: Look at the life and accident products for associations and affinity groups from Hartford Financial Services Group. CIGNA offers term life, universal life and other products to meet the needs of speciality groups and markets. Federated Insurance Company offers a wide variety of products including business debt protection, owner/employee benefits, exit-strategy planning, disability income protection and more. Nationwide also offers business life insurance options as well.

Tips & Tactics

Helpful advice for making the most of this Guide

• •  Let your existing agent quote you before you go off and look to other US life insurance agents & brokers. As a business person and out of respect, you at least owe them the opportunity to quote it, and most would understand if you can find a cheaper price elsewhere.