Want to know the ins and outs regarding commission, leads, and support as a Shoreline Financial Group agent?
In this article, I provide an overview of how Shoreline Financial Group works so you can determine if working with SFG is a good move for your insurance career.
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Shoreline Financial Group is a life insurance marketing organization that works with independent insurance agents.
They are based in Connecticut and offer products from a number of nationally recognized carriers as well as regional carriers.
Shoreline Financial Group specializes in final expense life insurance policies.
Some of the carriers they work with include:
- AIG, and,
- Mutual of Omaha
Also, they work with several smaller regional insurers as well.
Final expense life insurance policies are a very specific type of whole life insurance that is easy to qualify for.
These policies have relatively low death benefits and are designed to cover the costs of a funeral and burial.
A final expense policy usually does not cover any outstanding debts, and are popular among older customers who may not qualify for other forms of life insurance.
Shoreline Financial Group also offers annuities, which are a unique type of insurance contract that is typically used for retirement planning.
Annuities are a form of investment that results in regular payments after a certain period of time.
Additionally, Shoreline offers Medicare coverage from national healthcare providers like:
- United Healthcare,
- Anthem, and,
Shoreline Financial Group provides exclusive leads to their independent agents.
They have three different lead programs, so you can choose the best option for you.
Shoreline offers phone leads that:
Shoreline’s leads can be slightly more expensive than other life insurance companies – for example, their direct mail leads cost $29-32 each.
They also offer the option to purchase leads in bulk, with rates averaging $300 for 1000 leads.
Although Shoreline Financial Group’s lead cost is high, they do offer commission rates between 90 and 115, based on our research.
Although this isn’t quite as high as street-level commissions, it provides strong returns that can generate a comfortable income.
There isn’t much information currently available about earning commission increases through Shoreline Financial.
Shoreline Financial Group is not a scam. They train agents and provide reliable insurance leads to help independent agents build their business.
Although their lead fees are not the cheapest, they provide a range of lead options to give agents more flexibility.
Since their leads are exclusive, you won’t have to worry about direct competition from other agents.
They also work with reputable insurance providers, and their final expense policies are very inclusive, so you can sell to people who have pre-existing health conditions.
Shoreline Financial also offers training options and resources for their agents, including videos and in-person conferences.
They also provide agent support to assist with any challenges agents may face.
Overall, Shoreline Financial Group is a reputable insurance marketing agency.
Agents who are looking for reliable final expense leads and policies from respected insurance providers may enjoy working with Shoreline Financial Group.
Always Good To Seek A Second Opinion
Prior to joining SFG or any other field marketing organization to sell insurance, it’s a wise choice to consider other options to fully weigh which option is best suited for your career goals.
If you’d like to take a look at another insurance sales option, take a look at how my agency operates here.