Life and Annuity Brokerage

Gallagher's Life and Annuity Brokerage has evolved to where it is today as a result of well-planned and timely mergers and acquisitions, deep knowledge and experience in the life and annuity space, and decades-long commitment to helping our industry thrive.

Our unification under Gallagher — one of the top three insurance brokers in the world — established a distinctive structure that delivers concierge-level, personalized service and puts powerful tools at your fingertips.

We've invested in some of the industry's most effective tools to help you place, manage and review policies, including:

• Expansive case design and advanced markets expertise
• Due diligence analytics
• Streamlined presentation tools

Gallagher's Life and Annuity Brokerage is one of the largest independent life insurance wholesale brokerage operations in the country, representing more than 50 of the top-rated insurance carriers in the nation.

Based on your client's needs, we'll help you design and place tailored solutions from our expansive portfolio.

Life insurance. This powerful financial tool can serve many needs: Income protection, living benefits and tax-advantaged wealth accumulation. Whether for personal or business purposes, we have a full suite of products and carriers to meet any budget or need.

Annuities. Annuities provide certainty in uncertain times. We'll help you pick the right product for your clients whether they're looking for guaranteed retirement income, tax-deferred savings, protection from market volatility or funding for their life insurance and other needs.

Disability insurance. When illness or an accident threatens income, our disability solutions will be there to get them through the toughest times without missing a beat.

Long-term care (LTC). The rising cost of care can devastate your client's retirement nest egg if not properly protected. Our specialists guide you through the fast-changing world of LTC products that include traditional plans, hybrid plans, asset-based solutions and more.

Specialty products. We go beyond the ordinary to cover needs traditional products don't address for both business and personal uses. Plus, we can work with you on specialized coverage for:

• High-limit disability, international major medical, contract indemnification, life settlements, premium financing, guaranteed issue, company-owned life insurance (COLI) and much more.
• Succession planning and strategy for the sustainability of a business for generations to come.

Leverage our relationships with many of the top insurance carriers, including:

Ask your Gallagher representative for our complete carrier list.

Financial professionals need access to specialized knowledge and advanced technical expertise to achieve enhanced earnings, increased policy placement and improved risk assessment. Underwriting is at the core of our business. Experience and technical knowledge backed by the spirit of a sales perspective are what make the difference between surviving underwriting and thriving through underwriting. Gallagher's underwriting team — with access to a leading proprietary underwriting platform — knows the road ahead and how to get you and your client to the destination.

When you partner with Gallagher, you'll gain direct access to an industry-leading underwriting team. Our in-house underwriters give each case the attention and care it deserves and use our strong relationships with carriers to solve complex problems that allow us to negotiate the best possible protection.

Gallagher's underwriting team will empower you to:

• Impactfully navigate the underwriting process
• Leverage advocacy to enhance negotiation results
• Employ strategies to aid in placement of unforeseen rated cases
• Understand mortality risk vs. clinical assessment and discuss it with your clients

With extensive carrier leadership experience, Gallagher's underwriting team stands as a pacesetter in the finer points of risk assessment. Whether it be educational opportunities for your office growth in field underwriting, providing technical assessments and carrier recommendations, or negotiating on risk points that aid in the positive perspective of your client's risk — Gallagher's underwriting team provides an unmatched level of service when it matters.

With the history of millions of dollars in premium successfully negotiated, Gallagher's underwriting team is a partner you'll want as an extension of your office.

Take your brand awareness to the national level

Connect with high-value prospects using our PR and Media Solutions to get you started.

LEARN HOW

Fueling your growth is our top goal. We apply the decades-long experience that's been gathered from every inch of this industry — as independent agents, agency owners and an IMO — to bring you wise counsel, proprietary resources and tools. Unified to support agents and firms, and backed by the power of Gallagher, we're committed to and invested in the growth and success of your business.

Financial professionals face fierce competition every day. These professionals need help with being seen, talking to more prospects, closing more business, building more structure in their practice, working with carriers and navigating complex case design.

Stand out from your competitors and take your business to the next level with the Gallagher Partners Advantage program and a dedicated consulting team. We'll help you unlock new opportunities, connect with key players and elevate your success through:

• Expertise in client acquisition strategies.
• Tiered public relations (PR) and media programs to help you take your local presence to national syndication.
• Branding and marketing programs to develop or upgrade your brand. Make a great first impression with everything from logo and website design to brochures, business forms and direct mail campaigns.
• White-labeled educational concepts and presentation, including workbooks, client-approved videos and presentations. Our library of white-labeled client videos addresses important retirement-related topics such as sequence of returns risk or alternatives to the traditional bond portfolio. Your company logo can be embedded in the video for use in client presentations or on your website.
• Ultra-high-net-worth business development strategies with 1:1 blueprinting and a team of seasoned professionals to advise on advanced planning, navigating complex cases, proprietary underwriting support and premium financing.
• Executive webinar series, industry trends and insights and monthly sales digest subscription.
• Business owner coaching and practice management resources to help elevate your firm and its sustainability.

We have invested in some of the industry's most effective tools to help you present cases for your clients. Use multiple insurance quoting engines for term, LTC and annuities, electronic application and e-policy delivery, online underwriting assistant and even an automated carrier appointment tool.

Access all of the product-comparison tools you need to make the right product recommendations to your clients, including:

• ALIRT Insurance Research. Access to quarterly, in-depth analyses of financial and market data for thousands of insurance companies.
• Annuity Rate Watch. Make comparing annuity products easier with access to real-time rates, product specifications, state variations — everything you need in one place — to help you and your client make an informed decision.
• Cannex. Access objective information on cost and features of retirement income products to quickly find the best option for your clients.
• Ensight. Improve the life insurance or annuity client experience and make the process of selling much simpler and more profitable.
• Firelight. Correct application errors on the spot with Firelight — cutting submission time in half. The tool is compatible with most annuity insurance carriers.
• Indexalyzer. Get the data you need to help guide your clients through the indexed product selection process.
• iPipeline. Quote cases, submit applications and track where they are in the approval process. iPipeline keeps you informed every step of the way.
• LifeTrends. Life insurance data, product information and market intelligence that gives you a competitive advantage.
• WinFlex. WinFlex Multi-Carrier Insurance Software is a web software system that provides standard entry for multiple life insurance carriers.

Looking for more sales opportunities in the lucrative affluent client space? We're here to help identify and tackle complex business and estate planning situations for your affluent prospects and clients.

Our insurance specialists empower our agents by providing integrated and diverse planning strategies such as tax efficiency, charitable planning, business succession planning, retirement income planning and wealth transfer.

Rely on our experience in irrevocable life insurance trusts and other estate planning techniques to help clients deal with the changes in federal estate tax including the sun setting of the estate tax exemption.

Gallagher's Advanced Markets team supports you with:

• Appropriate case design
• Business valuations for business continuity
• Concept presentation materials
• Specimen documents
• Presentation consultation and assistance
• Conferencing with the client's legal and tax advisors
• Competitive and appropriate products