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Brokers Clearing House is a comprehensive boutique resource to help insurance advisors grow and serve more clients. Life insurance is our second language, and we’re here to help you with our richness of expertise.

Our mission is to be an irreplaceable partner to your business. We support you in providing critical protection products to your clients with efficiency and wisdom. 

We’re dependable, confident and transparent.  

Dependable

We offer high-touch, high-service and incredible responsiveness to our advisors, and we stand by the recommendations our advisors make.

Confident

We’ve gained our confidence through experience — our average employee has been with us for 18 years! Our team does their due diligence and brings their expertise to every recommendation. 

Transparency

We behave in a way that we’re proud of. Perception is important and we work every day to ensure that our values shine through in what we do. Our solid foundation in the industry has been recognized for decades. When you call us, you’ll talk to the same people and build relationships with them. You’ll know your team and they’ll know you.

Our Partnership with Integrity

In 2021, Brokers Clearing House joined Integrity Marketing Group. Our history of high-quality service and relationships built on trust makes us a great fit for partnership with Integrity. As a result of this partnership, we can offer even more comprehensive resources and agent support as we continue to grow and strengthen our capacities to serve. Read the press release here:

INTEGRITY PARTNERSHIP PRESS RELEASE

Products we proudly provide:

Life Products – Impaired Risk, Term Life, Indexed Universal Life, Universal Life, Variable Universal Life, Whole Life, Life/LTC Combo Products (Linked Benefits), COLI/BOLI, Survivorship Life, Single Premium Life, Simplified Issue Life, Guaranteed Issue Life, Final Expense, and Accidental Death (Individual/Family)

Annuity Products – Fixed Indexed, Multi-Year Guaranteed Annuities, Fixed Annuities, Single Premium Immediate Annuities, Linked Products (Annuities/LTC), Deferred Income Annuities

Long Term Care Products – Executive Carve-Out/Multi-Life, Individual and Joint, Linked Benefit Products (LTC/Annuity; LTC/Life)

Health Products – Medicare Supplements

Disability Income Products – Executive Carve-Out/Multi-Life/Individual, Business Overhead Expense, Key Person, Critical Illness

Life Settlements – Permanent and term life insurance settlement options

Top Carrier Names in The World, Now at Your Fingertips

When you have access to more than 20 of the largest carriers, it may seem like a daunting challenge to ensure that your clients matter to each one of them. But when you decided to team up with Brokers Clearing House, you made a powerful connection indeed. Even beyond the people and resources you’re able to access every day, we’ve established strong relationships across the insurance industry.

Brokers Clearing House is a founding partner in LIBRA, a national insurance marketing organization. Through this affiliation, we’ve been able to combine the talents and resources of more than 50 brokerage firms in the United States.

For you that means having dedicated teams of underwriters, legal professionals, accountants, and sales professionals at your fingertips – from the biggest names you know and trust. You’re able to remain the local resource for your clients while bringing them the national reputation of LIBRA.

To Request More Information, Call Us Anytime

You can also fill out this form and we will reach out to you as soon as possible!

    By clicking the submit button, I expressly consent by electronic signature to receive communications via automatic telephone dialing system or by artificial/pre-recorded message, email or by text message from this website and multiple partner companies or their agents at the telephone number above (even if my number is currently listed on any state, federal, local, or corporate Do Not Call list) including my wireless number if provided. Carrier message and data rates may apply. I understand that my consent is not required as a condition of purchasing any goods or services and that I may revoke my consent at any time. I also acknowledge that I have read and agree to the Privacy Policy and Terms & Conditions

    This is a solicitation for insurance and I understand by providing my phone number and information and clicking Submit, I am giving permission to contact me for the purpose of marketing insurance products and services. I also understand I may be contacted by a properly licensed insurance agent who can answer my questions and provide information about Medicare Supplement, ACA health insurance, long-term care, fixed annuity, life insurance or major medical insurance products and services. The licensed insurance agents who might contact me are not connected with or endorsed by any government agency or program. Submitting this form does NOT affect your current enrollment, nor will it enroll you in a Medicare Advantage Plan, Prescription Drug Plan, or other Medicare plan. 

    Disclaimers

    When choosing a life product, make sure that life insurance needs are met long-term, especially if personal situations change — for example, marriage, birth of a child or job promotion. Weigh the costs of the policy, and understand that life insurance, and long-term care coverage linked to life insurance through riders, has fees and charges that vary with sex, health, age and tobacco use. Riders that customize a policy to fit individual needs typically carry an additional charge. The payment of long-term care rider benefits, as an acceleration of the death benefit, will reduce both the death benefit and cash surrender values of the life policy. Additionally, policy loans and withdrawals will also reduce both the cash value and the death benefit. Care should be taken to make sure that life insurance needs continue to be met even if the rider pays out in full, or after money is taken from the life policy. There is no guarantee that a rider will cover the entire cost for all of the insured’s long-term care, as this may vary with the needs of each insured.

    There are multiple ways to insure for long-term care needs. Options vary and some are less expensive than others, but may offer fewer guarantees. A financial professional can work with you to determine what coverage is right for you and how much coverage you should purchase. Health insurance doesn’t cover long-term care expenses. Medicare will cover some long-term care costs, but only up to 100 days (after a 3-consecutive-day stay in a hospital under treatment). Medicaid will cover long-term care expenses for individuals with assets of $2,000 or less (varies by state) and covered care may be limited to a nursing home. Paying for long-term care costs out of pocket may not be practical or cost-efficient for many people.

    Final expense life insurance can be used by the beneficiary designated as needed rather than being limited to specific funeral services and providers. Final expense life policies will have a lower face value than most traditional term or whole life policies as they are intended for a specific purpose of covering those final costs rather than providing comprehensive support for surviving family members. This type of policy generally doesn’t require a medical exam, but premiums will be higher the older you are, and some benefit payouts may be limited during the first few years of coverage for those with significant health issues. Reducing or skipping premium payments will impact the amount of interest paid and may impact how long the policy lasts. Accessing the cash value of a policy will reduce the available cash surrender value and the death benefit. Policy guarantees are based upon the claims-paying ability of the issuing life insurance company.

    Interest and other guarantees in an annuity are subject to the claims-paying ability and financial strength of the insurance carrier that issues the product. Annuities are long-term vehicles. Many have surrender charges over many years, and withdrawals from an annuity prior to age 59 ½ may be subject to a 10% tax penalty.

    Reducing or skipping premium payments will impact the amount of interest paid and may impact how long the policy lasts. Accessing the cash value of a policy will reduce the available cash surrender value and the death benefit. A policy owner does not have the ability to make unlimited payments into the policy. If too much is paid into the policy, it will become a Modified Endowment Contract (MEC) and withdrawals and loans will be taxable. Policy guarantees are based upon the claims-paying ability of the issuing life insurance company.

    This is a solicitation for insurance and I understand by providing my phone number and information and clicking Submit, I am giving permission to contact me for the purpose of marketing insurance products and services. I also understand I may be contacted by a properly licensed insurance agent who can answer my questions and provide information about Medicare Supplement, ACA health insurance, long-term care, fixed annuity, life insurance or major medical insurance products and services. The licensed insurance agents who might contact me are not connected with or endorsed by any government agency or program. Submitting this form does NOT affect your current enrollment, nor will it enroll you in a Medicare Advantage Plan, Prescription Drug Plan, or other Medicare plan.