Life insurance was once sold primarily by career life agents, captive agents that represent a single insurance company, and by independent agents, who represent several insurers. Now, life insurance is also sold directly to the public by mail, telephone and through the Internet. In addition, in the 1980s insurers began to market annuities and term life insurance through banks and financial advisors, professional groups and the workplace. A large portion of variable annuities, and a small portion of fixed annuities, are sold by stockbrokers. In 2011 independent agents held 49 percent of the new individual life insurance sales market, followed by affiliated (i.e., captive) agents with 40 percent, direct marketers with 4 percent and others accounting for the remaining 7 percent, according to LIMRA
Protecting Yourself and Your Family First, check to be sure that no one in the family is injured. Start first aid immediately if injuries are found. Be prepared for aftershocks which are normal following an earthquake. Stay away from beach areas because of the danger of tsunamis (large seismic sea waves). Protecting Your Property Check utility lines and appliances for damage. If you smell gas, open the windows and turn off the main gas valve. Do not turn on electric lights or appliances until the gas has dissipated. They can cause sparks that might ignite the gas. If electric wires are shorting out, turn off the power. Clean up flammable liquids inside buildings. Check to see that sewage lines are intact and working before flushing toilets. Check chimneys for cracks or other damage before using them. Notify your insurance agent or company representative as soon as possible. If you have vacated the premises, make sure your representative knows where to contact ...
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