Asurea And Globe Life Insurance: What's The Connection?

Asurea is an insurance sales organisation based in Roseville, California, with services in all 50 states. It is one of the largest insurance marketing organisations in the US, with access to over 80 of the top insurance and financial institutions. Asurea's main focus is life insurance, but it also sells mortgage protection life insurance, annuities, final expense insurance, Medicare supplements, permanent life insurance, 403(b) retirement plans, and more. Interestingly, American Income Life (AIL), a subsidiary of Globe Life Insurance, is often compared to Asurea as they are both major providers of supplemental life insurance.

Asurea's insurance products

As an insurance sales organisation, Asurea offers a range of insurance products to its customers. The company is based in Roseville, California, but its services are available in all 50 states. Asurea's insurance agents have access to products from over 80 different insurance companies.

The company's primary focus is on life insurance, but it also offers a diverse selection of other insurance products. Here is a detailed overview of Asurea's insurance products:

Permanent Life Insurance

This type of life insurance provides financial support not only after the policyholder's death but also during their lifetime. It helps cover the family's financial expenses, ensuring their well-being.

Mortgage Protection Life Insurance

This product offers financial protection in the event of the policyholder's death or disability, ensuring that their mortgage will be paid off. This insurance provides peace of mind for homeowners.

B) Retirement Plan

The 403(b) retirement plan is tailored for employees in the non-profit and public sectors. It helps them save for retirement and plan for their future financial needs.

Annuities

Annuities are long-term financial products that provide passive income during retirement. They are a popular choice for those seeking stable retirement income.

Final Expense Insurance

Final expense insurance is a specialised form of life insurance that covers specific end-of-life expenses, including funerals, medical bills, and credit card debt. It ensures that loved ones are not burdened with these costs.

Medicare Supplements

Medicare supplements fill the gaps in coverage that may exist with standard Medicare plans. They provide additional financial protection for healthcare expenses that Medicare may not fully cover.

In addition to these individual insurance products, Asurea also offers several comprehensive programs designed for organisations and their employees:

Worker's Compensation

Asurea's worker's compensation programs are targeted towards companies in the food, agriculture, and manufacturing industries. These programs ensure that employees are protected in the event of work-related injuries or illnesses.

Public Employee Support

This program is designed for first responders, law enforcement, and corrections professionals. It offers a comprehensive package that includes retirement savings, life insurance, and other financial products tailored to the unique needs of public servants.

Debt-Free Life

The Debt-Free Life program assists individuals and families in achieving financial stability by providing tools and resources to manage and eliminate debt.

Auto & Home Group Bundle

This program enables companies to offer a range of insurance options to their employees, including auto, home, and other types of vehicle and property insurance. It provides convenience and peace of mind for employees.

Asurea's insurance lead program

Asurea is one of the largest insurance marketing organisations in the US, with services in all 50 states. As an Asurea agent, you will have access to products from over 80 different insurance companies.

Asurea also provides specialised sales training and full business support to ensure the success of the Asurea sales team. This includes one-on-one mentoring, a custom back-end customer management system, a fully-staffed office support team, and business development tools.

Asurea's starting commissions

As an insurance sales organization, Asurea offers starting commissions of between 60% and 70% on average. This is lower than some other organizations, which may offer starting commissions of up to 100%. However, Asurea subsidizes lead costs for its agents, and there are opportunities for advancement within the company.

Asurea agents are required to pay for their leads, which is standard among insurance sales organizations. The cost averages $15 per lead, and agents can spend as much as $600 to $1,000 per month on leads. While Asurea offers flexible schedules, agents can increase their sales and overall commissions by putting in more time at the office.

Asurea's training

Asurea is an insurance sales organisation based in Roseville, California, with services in all 50 states. As an Asurea agent, you will have access to products from over 80 different insurance companies.

Asurea provides training to its agents, making it a popular choice for those starting out in the insurance industry. The company offers specialised sales training and full business support to ensure the success of the Asurea sales team. This includes one-on-one mentoring, a custom back-end customer management system, a fully-staffed office support team, and business development tools.

Product Knowledge

Asurea agents have access to a wide range of insurance products from different companies. During training, agents learn about the various insurance policies offered, including permanent life insurance, mortgage protection life insurance, annuities, final expense insurance, and Medicare supplements. This knowledge helps agents understand the features and benefits of each product to better serve their clients.

Sales Techniques

Asurea provides comprehensive sales training to its agents, including top-notch training from multiple veteran agents and daily training webinars. They teach proven sales techniques, such as cold calling and lead generation strategies, to help agents increase their sales and expand their client base. The training also covers ethical selling practices to ensure agents provide honest and transparent information to potential customers.

Customer Service

As a company that values service to its clients, Asurea trains its agents to provide excellent customer service. Agents are taught to understand their clients' needs, budget, and concerns. They are encouraged to price shop and offer multiple policy options to ensure customers find the perfect fit for their unique situation. This customer-centric approach helps Asurea build trust and long-lasting relationships with its clients.

Mentorship and Support

Asurea believes in the power of mentorship and provides one-on-one mentoring for its agents. Experienced agents and mentors within the company guide new agents, sharing their expertise and best practices. This personalised support helps new agents develop their skills and build their confidence. The company also offers a fully-staffed office support team to assist agents with any queries or challenges they may encounter.

Business Development Tools

Asurea equips its agents with effective business development tools to enhance their performance. This includes access to a custom, direct-mail lead system where leads are exclusive to each agent and have been vetted for qualification. Additionally, Asurea simplifies the process of getting contracted with various insurance companies, enabling agents to focus on selling and serving their clients efficiently.

Compliance and Regulations

In conclusion, Asurea's training programme is comprehensive and well-structured, providing new agents with the knowledge, skills, and tools necessary to succeed in the insurance industry. Through a combination of product knowledge, sales techniques, customer service skills, mentorship, and business development tools, Asurea empowers its agents to deliver exceptional service and build successful careers.

Asurea's competitors

Asurea is an insurance sales organisation based in Roseville, California, with services in all 50 states. It has been identified as a competitor of Delta Insurance, and is also a direct competitor of The DIG Agency. Asurea's main focus is life insurance, but it sells a wide range of other products.

Symmetry Financial Group (SFG)

SFG is an insurance marketing organisation based in Swannanoa, North Carolina. It specialises in the mortgage protection insurance market, as well as offering final expense insurance.

Bankers Life

Bankers Life is a subsidiary of CNO Financial Group, established in Chicago in 1879. It offers life insurance, annuities, Medicare plans, critical illness insurance, and vision and dental plans. It targets the senior market, with a focus on people aged 60 and older.

People Helping People (PHP)

PHP was established in 2009 in Northridge, California. It serves the middle markets for insurance-based financial planning, focusing on term insurance, index universal life insurance, and fixed indexed annuities.

American Income Life (AIL)

AIL is a subsidiary of Globe Life Insurance, founded in 1951 and headquartered in Waco, Texas. It is a major provider of supplemental life insurance, with a focus on labour unions, credit unions, and associations for insurance solicitation.

New York Life

New York Life is the largest mutual life insurance company in the US, established in 1845. It offers premium life insurance, long-term care insurance, retirement income insurance, and investment plans, including annuities, mutual funds, and ETF saving plans.

USHEALTH Advisors

USHEALTH Advisors is a national sales and distribution subsidiary of USHEALTH Group, a large employer of health insurance agents in the US. It offers individual health coverage plans and supplementary products, specialising in providing healthcare solutions for individuals, families, self-employed, and small business owners.

Equis

Equis is a marketing organisation for independent insurance agents and agency builders. Its main product is mortgage protection life insurance, with additional offerings in final expense, living benefits, and indexed universal life insurance products.

Freedom Equity Group

Based in Arroyo Grande, California, Freedom Equity Group is an independent marketing organisation (IMO) that contracts with insurance companies to promote and distribute life insurance products. Its main product is indexed universal life insurance, a form of permanent coverage that provides a cash value in addition to life insurance.

Frequently asked questions