{"id":3780,"date":"2021-06-15T12:48:46","date_gmt":"2021-06-15T17:48:46","guid":{"rendered":"https:\/\/kramerwealth.com\/?p=3780"},"modified":"2024-01-24T09:49:08","modified_gmt":"2024-01-24T15:49:08","slug":"choosing-the-right-financial-professional-insurance-agents-brokers","status":"publish","type":"post","link":"https:\/\/kramerwealth.com\/choosing-the-right-financial-professional-insurance-agents-brokers\/","title":{"rendered":"Choosing the Right Financial Professional &#8211; Insurance Agents &#038; Brokers"},"content":{"rendered":"<p class=\"responsive-video-wrap clr\"><iframe title=\"Choosing the Right Financial Professional 2\/4: Insurance Agents and Brokers (ASL)\" width=\"1200\" height=\"675\" src=\"https:\/\/www.youtube.com\/embed\/wcPYXhHzIO8?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" allowfullscreen><\/iframe><\/p>\n<p><span style=\"font-weight: 400;\">Some insurance agents\/brokers used to call themselves Financial Advisors or Financial\u00a0 Planners but they are no longer allowed under the SEC\u2019s Best Interest rule that went into\u00a0 effect in 2020.\u00a0\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Still, insurance agents\/brokers can offer valuable services in assisting you in purchasing\u00a0 insurance policies such as health insurance, life insurance, car insurance, etc. Each\u00a0 requires an insurance license in the state where you live.\u00a0\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Agents usually represent one company while brokers may be able to represent many\u00a0 different companies and possibly look for the best policy for you. Some financial\u00a0 advisors also have insurance licenses and can offer you a wide variety of insurance\u00a0 products as well.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Note that agents or brokers that only have an insurance license and do not have an\u00a0 investment license like Series 6 or Series 7 will not be able to offer variable insurance\u00a0 products. They will only be able to offer you fixed insurance products.\u00a0\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Some insurance agents\/brokers used to call themselves Financial Advisors or Financial\u00a0 Planners but they are no longer allowed under the SEC\u2019s Best Interest rule that went into\u00a0 effect in 2020.\u00a0\u00a0 Still, insurance agents\/brokers can offer valuable services in assisting you in purchasing\u00a0 insurance policies such as health insurance, life insurance, car insurance, etc. Each\u00a0 requires 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