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Frequently Asked Questions

  1. What is the conflict of interest with my current insurance "professional"?
  2. Do you guarantee I'll be better off than I am now?
  3. How much can I expect to save?
  4. Why doesn't may current agent work this way?
  5. Which insurance companies do you work with?

What is the conflict of interest with my current insurance "professional"?

When insurance agents or brokers are earn commission income, they make more money when you pay higher premiums. CIB Insurance Services does not receive commission income. When we recommend additional coverages, or higher limits on existing policies, or moving to a more expensive insurance program offering better value, you are assured that we are not doing so to feather our own nest. You can follow our recommendations, or not, just as with your legal or tax adviser. Conversely, our income is not negatively affected when we negotiate lower premiums since we are not losing commission income in the process. Our goals are aligned with yours, not against them.

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Do you guarantee I'll be better off than I am now?

We do. Even our AdviserGoldMedalSM service will not cost you more than you're paying now...and you'll receive better service. Our AdviserBronzeMedalSM and AdviserSilverMedalSM service plans are guaranteed to cost less than you're paying now. Try us for twelve months. If you're not completely satisfied, we will refund half of your service plan cost.

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How much can I expect to save?

You can expect to save between 10% and 20% when CIB Insurance Services places your next renewal. Actual savings are based on the size of your firm and current premium, the type of insurance we will handle for you, and which carrier your insurance is with now.

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Why doesn't my current agent work like this?

Good question. We can only speculate, but most agents don't want to give up the extra commission income they now earn from your insurance carrier, or don't have the credentials or license to legally act as an insurance consultant in your state.

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Which insurance companies do you work with?

All of the companies writing investment advisers, including yours. The largest writers of professional liability for RIAs include AIG, Chubb, CNA, Hartford, Houston Casualty, Travelers, and Zurich.

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