David J. Powell & Associates is a multi-state Independent Insurance Brokerage and Insurance Consulting Company that specialized in group health insurance and ancillary products. Some ancillary products include group life, dental, vision, cancer, Section 125, ect.

You are probably asking what is an Independent Insurance Brokerage and why do I need a Consultant. Well let’s break them into their own separate parts.

Independent Broker

Independent Brokers play a significant role in helping companies and individuals find life and health insurance. For example, research shows that brokers play a significant role in helping small employers find health insurance, particularly in more competitive markets. Average small group commissions range from 2 percent to 8 percent of premiums. Brokers provide services beyond insurance sales, such as assisting with employee enrollment and helping to resolve benefits issues.

Though not an absolute separation; an agent is an insurance company's representative by way of agent-principal legal custom. The agent's primary alliance is with the insurance carrier, not the insurance buyer. A broker generally has no contractual agreements with insurance carriers and relies on common or direct methods of perfecting business transactions with insurance carriers. This can have a significant beneficial impact on insurance negotiations obtained through a broker.

Consultant

Our consultant services allow you to free up valuable time and resources.  We look at your current policies, shop your business, and make educated suggestions to help you lower your overall expenditures.  Often you have a good relationship with your Insurance provider.  We will work on your behalf with the provider to find creative solutions to cost savings.

Contact us for your no obligation quote today!

We represent many of the leading Health Insurance Carriers and Local Independent Agents in your community!