Find a life or disability insurance agent


(All 50 States)

    Since graduating from the University of Virginia with a degree in Economics, Jeremy Bird has been working with lawyers and other professionals to help them understand their existing policies and identify gaps in coverage. He specializes in the following services:

  • Life insurance, disability insurance, long term care Insurance and annuities
  • Available to help you review and understand your existing plans
  • Access to over 40 "A" or better rated carriers which ensures the carriers have to compete on price to win your business
  • As an independent agency, we provide unbiased market access and expertise, allowing you to preserve, protect, and propel your wealth


(All 50 States)

I love companies co-founded by lawyers, so was excited to see Jennifer Fitzgerald, a Columbia law school grad, created Policygenius in 2013. Policygenius has a team of insurance agents that can help you with a life or disability insurance policy. Importantly, those insurance agents do not earn a commission on the policy they sell to you, so they shouldn't be incentivized to sell you more than you need or something complicated just because it generates them a fat commission.

Policygenius is also a marketplace where the agents work with various insurance companies, making it easy to compare quotes from top-rated companies so that you pay the minimum amount. For a product like term life insurance, which is essentially a commodity, a company like Policygenius makes a lot of sense particularly if you don't have any health issues which might necessitate working with an independent broker who can help you navigate as to which companies will be best for you given your medical profile.

Stonebriar Insurance Group

(AL, AZ, AR, CA, FL, IL, KS, LA, ME, MS, MO, NC, ND, OH, OK, SC, TN, TX, VA)

Stonebriar Insurance Group is a brokerage that specializes in finding the best home, auto and business insurance in the marketplace.

Owner, Jared Rossi, has nearly two decades worth of experience and is able to provide numerous options for his clients due to relationships with over 100 top rated insurance companies.

When choosing an insurance agency, you want a company that you can trust. Because they are an independent, privately held firm, they do not work for any specific insurance company but instead work for you.

PKA Insurance Group, Inc.

(All 50 States)

Pradeep Audho is an independent insurance broker who represents over 30 insurance carriers and is the owner of PKA Insurance Group Inc. He focuses on providing the following services:

  • Disability and life insurance
  • Works primary with professionals in the legal and medical industries
  • Available to provide insurance anywhere in the United States
  • Can get you disability quotes within 24 hours
  • Can get you life insurance quotes instantly (click here)
  • You can now buy up to $7.5 million of life insurance without a medical exam from an A+ rated carrier (Restrictions apply)

How to Find the Best Insurance Agent

While making sure you have life insurance and disability insurance are basics tenants of protecting your assets, finding an agent or company to work with can be daunting. Unlike a lot of other services, it often makes sense to work with an agent to find the right insurance product rather than turning to a modern app.

Do I need an insurance agent?

Yes, you probably want to work with an insurance agent. While you can find life insurance under $1 million through a modern company without ever needing to talk to a human or seeing a doctor, most people are going to benefit by working with an independent insurance agent that can check rates across the major carriers. Insurance agents are also going to know about the various discounts that might be available to you. In some cases, it may even make sense to sign up to a local bar association just to get the discount on a major policy.

Additionally, an independent agent is going to know the market and where there is room to manuever. One insurance company might treat a health problem as a major red flag where another insurance company may view it as a minor problem. The value of this expertise is magnified when you think about how any small difference in your premium is something that you’ll be paying for years and years to come. It’s worth making sure you are getting the best deal possible.

How to find an insurance agent

You do not need to contact every insurance agent to get the best quotes. You likely only need to reach out to two or three independent insurance agents to be assured that you’re getting the best deal. Anything more than that and you’re likely just wasting your time, as there are only a handful of major insurance companies, and you’re really looking for the insurance agent that is the best fit for you. Other than finding a good fit, be sure to ask for (and that the insurance agent has considered) whether you are eligible for any discounts. There are many discounts available and it’s highly likely that you’ll qualify for something.

Once you’ve identified an insurance agent, don’t feel bad if you have a lot of questions. Particularly with disability insurance, it’s a complex financial product that warrants the questions. This is mainly because there are many shades of gray when it comes to whether you are disabled or not (unlike life insurance where you are either dead or you’re not dead). Disability insurance policies tend to be much more expensive as well because you’re much more likely to become disabled than to die. Insurance agents make a healthy commission on the sale of a disability insurance product, so don’t be afraid to make them spend the time to explain it to you several times so you understand what is covered and what is not covered.

Things to avoid when looking for an insurance agent

#1 Captive insurance agents

It’s hard to imagine that a single insurance company could possibly have the best deal for every type of insurance for each specific type of person. Yet, many agents work for a single company and only sell insurance from that specific company. These are called “captive” insurance agents and are the opposite of “independent” insurance agents. You want to find an independent insurance agent that can get you quotes from the major insurance carriers and knows intuitively which carriers are better for your specific situation.

#2 Selling life insurance for children

Children don’t need life insurance. The purpose of life insurance is to set up your dependents with an income source due to your inability to continue working when you’re dead. If your child dies, you do not need the payout of the policy. Sometimes life insurance for children is sold as a $10,000 “burial” policy for a family where $10,000 would be a huge financial burden but that is not for readers of this site. Save up $10,000.

The other argument from agents is usually along the lines of “locking in insurability” while your child is young and healthy. Most companies, however, will not allow you to buy a term life insurance policy on a child until they are 20 years old, which means the agent is pushing some type of “whole” or “permanent” insurance for your child. If you’re interested in buying a policy for your child for investment purposes, you should instead be funding a Roth IRA, 529 and UGMA instead. Mixing investing and insurance (which they don’t need) is never a good idea.

#3 Selling whole life insurance

Whole life insurance is a product meant to be sold. The commissions for the agent are huge and the financial benefit to you is questionable, complicated and completely avoidable while still achieving your financial goals. Whole life insurance is pitched to nearly every lawyer because it pays huge benefits to the agent. While there are a minority of situations where whole life insurance makes sense, the average lawyer has much better things to do with their time than to understand a complex financial instrument that mixes insurance and investment. Keep those concepts separate. Buy a gigantic cheap term life insurance policy and leave the investing to your investment accounts.

#4 Acting as a financial advisor

Financial advisors have their own issues but are required to get at least a little education (particularly if you hire a financial advisor with a CFP). An insurance agent acting as a financial advisor is not a good sign. Can an insurance agent be knowledgable about both insurance and general financial advice? Of course. But there are big differences between the professions. Insurance agents are selling a product on a commission. Financial advice needs to be free of commissions. Insurance agents are good at eliminating risk. Financial advisors need to understand how to profit from risk. There’s nothing wrong with an insurance agent being an insurance agent.