By using a G.A. you are effectively adding another layer of administrative help to support you in the sales, enrollment, and service process. Naturally this reduces your overall labor cost and ultimately your cost of sale—not to mention your servicing costs. The G.A. should be intimately familiar with the carriers’ quoting, proposal, underwriting, and enrollment procedures, which improves your efficiency and tends to reduce your liability.
When you place your business through a G.A. you are pooling it with millions of dollars of other business the G.A. has with the carrier. This puts the G.A. in a stronger position to be an advocate for you and your clients in underwriting, eligibility, claims, and commission issues. Since the G.A. is not an employee of a single carrier they should be more objective and be able to focus on the specific needs of you and your client. Æ