4 WAYS TO SAVE MONEY ON CAR INSURANCE BY DRIVING SAFE

There’s a fundamental rule about car insurance that’s important to know: your driving record can affect your rates. Which can be a good thing…or a bad thing. You might have hoped that that speeding ticket or minor (it was a scratch on the other person’s car!) fender bender wouldn’t come back to haunt you, but the truth is that it definitely could. The safer a driver you are, the better your car insurance rates are likely to be. Why and how does that happen? We’ll explain. 4 ways you can save money on your car insurance by driving safe. 1. Insurance companies look at your driving record. The thing is that insurance companies don’t like to leave things to chance. At all. They want to know how much of a risk you are to insure – in other words, how likely you are to file a claim. To do that, they’ll look at your driving record for the past three to five years when you’re getting car insurance. (A reminder, your driving record shows your driving history. It includes things like tickets, traffic violations, accidents, license suspensions, and so on.) As we said, the reason that insurance companies look at your driving history is that it gives an idea of how risky it would be to insure you. Statistically speaking, a driver who has tickets and accidents is more likely to get more tickets or be involved in more accidents.

Spotlight

Highland Capital Brokerage

Highland Capital Brokerage is committed to developing client-focused relationships with financial advisors using our core competencies of life insurance, annuities, and long term care. We distinguish ourselves by providing point-of-sale support, advanced marketing, and creative estate and business planning techniques. We provide these services in an environment that extends to carrier and product expertise, underwriting negotiation, and complete back office processing.

OTHER ARTICLES
Insurance Technology

Boosting the Economy: A Top Policy Priority

Article | July 19, 2022

Americans consider boosting the economy a top policy priority over dealing with COVID-19 as the coronavirus outbreak enters its third year. The decrease in the percentage mentioning the pandemic has been particularly sharp: from 78% last year to 60% this year, dealing with the coronavirus is now seen as a top policy priority. This comes at a time when Americans see various issues as lower priorities than they did a year ago. Republicans and Democrats disagree on the significance of the majority of policy priorities, but for 11 of the 18 issues covered by the survey, the partisan divide has grown significantly. This includes double-digit increases in partisan differences on addressing issues like immigration, the political system, improving the job market, and the criminal justice system. Changing Public Priorities: The Economy, Coronavirus, Jobs The percentage of Americans, particularly Democrats, who see the economy as a significant policy issue has decreased, despite the fact that it still ranks first on the public's list of priorities. From 75% a year ago to 63% now, the percentage of Democrats and independents leaning toward the Democratic Party who believe that improving the economy should be a key priority has decreased. Republicans and GOP learners, meanwhile, have seen almost no change in their opinions (85%top priority then, 82%today). Democrats are also less inclined than they were in January of last year, before President Joe Biden's inauguration, to rank addressing the employment situation as their top priority. 71% of Democrats said jobs should be a primary priority a year ago; today, only around 50%of Democrats agree (49%). The Republicans' slide has been more subdued (from 63% to 55%). As a matter of policy, solving the issues of the poor has lost priority. Democrats continue to prioritise this policy area significantly more than Republicans, although Republicans are now less likely than Democrats to see dealing with the issues low-income families confront as a key concern (25%now vs. 35%then; 58%now vs. 68%then). Additionally, there has been a reduction in the public's opinion that strengthening the political system ought to be a major priority for policy, mostly due to Republican efforts. The proportions of voters in each party who said that reforming the political system should be a high priority were essentially the same as they were the previous year (64%of Democrats and 60%of Republicans). Now, only 40% of Republicans and 61% of Democrats believe that this should be a high priority.

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Insurance Technology

Builders Risk Insurance Vs. Liability Coverage: How Each Benefit Works

Article | July 15, 2022

For construction contractors, there is nothing more important than safeguarding your works in progress. After all, if something were to damage the property and interrupt your progress, then you might face a huge financial setback. At this point, it’s critical that you have builder’s risk insurance ready and waiting. Your policy will be there to assist you following property damage at construction sites. However, your builder’s risk policy will not offer the same coverage to injuries or property damage that you cause to other parties. In this case, separate liability insurance benefits will provide the necessary benefits. Though separate from your builder’s risk policy, liability coverage is equally important. Let’s take a closer look at how these benefits work.

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Core Insurance, Risk Management

4 Aspects of Cyber Insurance that SMBs Must Know

Article | August 4, 2022

The pandemic pressed many businesses to go remote. While this enabled employees and their organizations to continue doing business in the face of global uncertainty, the fragility of cybersecurity infrastructure became more apparent than ever. From remote work to a more powerful online presence, cybersecurity threats are a significant challenge for many organizations. With data security, exposure to these threats meant cyber insurance needed to be amped up. In the race to fortify cybersecurity, small businesses, which have limited resources to train their IT staff, have much catching up to do. As a matter of fact, practically all small businesses maintain sensitive data on their staff, clients, or suppliers, making them open to hacking attempts, malware attacks, digitalfraud, and other online threats. A cyberattack can force a firm to cease operations, incur significant losses, and unanticipated costs, and harm their brand. This is why cyber insurance is so critical. Here are four things SMBs must understand about cyber insurance and what it covers. In Case of Data Breaches Data breaches are one of the most common types of cyberattacks on small firms. Cyber insurance coversthe cost of locating the origin of a data breachand assessing whether the information lost poses any legal obligations. It also includes the price of meeting those obligations, including sending notifications to affected clients, setting up a call center, and providing credit monitoring, as well as the price of hiring legal counsel and paying any fines or penalties. In Case of Malware Attacks Ransomware and malware attacks allow criminals to break into an organization’s back-end data. They use it to steal customer information or simply encrypt it which allows them to demand random from the business to reclaim access. Cyber insurance can pay for all of the expenses involved in restoring the system, including recovering data, ransomware removal, vulnerability patching, and, if required, paying the ransom itself. A ransomware attack is the most disruptive,and it may be covered if there is economic loss for the company. In Case of Phishing and Cyber Fraud By gaining access to a company's computer system, social engineering letscriminals trick employees intosettlingfictitious bills or diverting cash to their accounts. Businesses may be able to recoup lost funds with the use of cyberinsurance. Third-Party Coverage Third-party insurance can shield firms from cyber-related legal troubles, such as government responseor class-action lawsuits brought on by, for instance, unintentional malware spreador the inability to curbunauthorized access to companysystems. It covers all legal expenses, such as settlements and lawyer fees. What’s the Bottom Line? Cyber insurance cannot be an alternative to a robust cyber security infrastructure. And small businesses cannot afford to keep vulnerabilities in their systems. Many cyber advice solution providers offer advisory and risk assessment services that may be just what small and medium-sized businesses (SMBs) need to start improving the security of their systems.

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Insurance Technology

Digital Transformation in Insurance Industry

Article | June 30, 2022

Insurers of the future will play more of a risk avoidance role and less of a risk mitigation one. The seemingly effective yet simple ideas of Netflix, Uber, Ola, Amazon, and many other ideas have forever transformed their industry segments. Digital transformation in the insurance industry is embraced in various ways to address the complex challenges posed by consumers, regulatory, and digital landscapes. To keep up with insureds' demands, insurers have had to digitize various aspects of their operations. Any company that wants to stay competitive in today's market must meet customers where and when they need it. Insurance's digital transformation, powered by artificial intelligence, machine learning, predictive analytics, mobile services, live chat, and other technologies, enables insurers to do just that and will continue to change the industry for years. Insurance Companies to Look at Value Chain through a Digital Lens: Gain First-Mover Advantage: Product introduction to gain a potentially sustainable competitive advantage. To achieve the first-mover advantage, the insurer should have two crucial capabilities: the ability to pinpoint unmet customer needs to guide product development and quickly adapt existing products to market forces. Reduce IT costs to fund innovation: When insurance companies refactor monolithic applications into modular micro services, application maintenance costs are reduced. Grow revenue by differentiating the customer journey: Electronic document capture and processing, robotic process automation (RPA), and robo-advisors improve serviceability and help businesses gain a competitive advantage. Despite market participants' claims that the insurance industry was not an early adopter of digital transformation, new players, business models, and demanding customers are forcing the industry to embrace digital technologies. As a result, the global insurance market is expected to grow by 45% between 2022 and 2025. Modern digital engineering does not occur in a vacuum; new products must be compatible with existing technologies and processes. Ascertain that the development team understands legacy insurance applications and the data required to integrate them with new, digitally engineered products.

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Spotlight

Highland Capital Brokerage

Highland Capital Brokerage is committed to developing client-focused relationships with financial advisors using our core competencies of life insurance, annuities, and long term care. We distinguish ourselves by providing point-of-sale support, advanced marketing, and creative estate and business planning techniques. We provide these services in an environment that extends to carrier and product expertise, underwriting negotiation, and complete back office processing.

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Core Insurance

Inszone Insurance Bolsters Missouri Presence with DeVoy Insurance Group Acquisition

Business Wire | October 10, 2023

Inszone Insurance Services, a rapidly growing national provider of commercial, personal, and benefits insurance, announced the acquisition of DeVoy Insurance Group, a well-established insurance agency deeply rooted in the community of Brookfield, Missouri. DeVoy Insurance Group is run by Blake DeVoy, whose family has a storied history in the insurance industry dating back to the early 20th century, DeVoy Insurance Group has been a trusted name in Brookfield. The DeVoy family's dedication to serving their community has spanned generations, epitomizing their commitment to excellence. In 1910, Blake DeVoy's great-grandfather embarked on his journey by establishing the first insurance agency in Brookfield, later selling the original DeVoy & Co. to another local agency. In 1982, Blake DeVoy's father cofounded an agency, a strategic decision that laid the foundation for the family's continued legacy in the insurance business. Blake DeVoy himself entered the insurance industry in 2002 at the age of 19, building upon his early experiences working in his father's office. His diverse background, which includes roles as an underwriter and claims representative, equipped him with a unique perspective and skill set to navigate the complexities of insurance, making him a valuable resource for clients and strong leader for his team. "We're delighted to integrate the DeVoy Insurance Group into the Inszone Insurance umbrella," remarked Chris Walters, CEO of Inszone Insurance Services. "Their impressive legacy and enduring dedication to their local community mirrors our own commitment. This step enhances our position in Brookfield and expands our influence throughout the state, highlighting our unwavering promise to offer the best service to our valued clients." When asked about his decision to merge with Inszone Insurance, DeVoy pointed out the ever-evolving insurance landscape and business environment. He continued, “I recognized the changing demands of the insurance climate and wanted to ensure that my clients received the highest level of service." Clients of DeVoy Group can expect to receive the same exceptional service they are used to, now bolstered by the added resources available through the Inszone brand. Inszone Insurance is expected to announce several significant acquisitions in the upcoming months as part of its ongoing efforts to expand its footprint on a national scale. About Inszone Insurance Services Founded in 2002 and headquartered in Sacramento, California, Inszone is a full-service insurance brokerage firm that provides a broad array of property & casualty insurance and employee benefits solutions. With a strong, experienced management team, Inszone continues to grow organically and through acquisitions. With 44 locations across California, Arizona, Colorado, Illinois, Michigan, Missouri, Nevada, New Mexico, Oregon, Texas, and Utah, the company is looking to expand further throughout the United States.

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Core Insurance, Risk Management

Risk Strategies Acquires Benefit Design Group LLC

GlobeNewswire | August 31, 2023

Risk Strategies, a leading national specialty insurance brokerage and risk management firm, today announced that it has acquired Benefit Design Group LLC, a retail agency specializing in health, life and retirement solutions. Terms of the deal were not disclosed. Based in Portland, Oregon and led by Joel Biernat and Dennis Warneke, Benefit Design Group (BDG) is an independent insurance agency specializing in health insurance solutions for businesses, individuals and seniors. With a client base across Oregon and Washington, the firm serves businesses seeking tailored employee benefits programs across a wide range of industries, including aged care, education, hospitality and manufacturing, as well as individuals and seniors. “As a national specialist in the increasingly complex world of employee benefits, we’re always seeking new partners who can add to both our geographic presence and expertise,” said John Greenbaum, National Employee Benefits Practice Leader, Risk Strategies. “It’s why we’re excited to bring Joel, Dennis and the BDG organization into the Risk Strategies family.” BDG offers a broad array of products to its individual and group insurance clients including medical, dental, life insurance, Medicare and Medicare Advantage plans, among others. BDG as constituted today, was formed in 2017 when Biernat merged the firm with Warneke’s company, The Warneke Group, LLC. That firm primarily specialized in providing services and products for employers offering group employee benefits to their employees. “We’re extremely excited to join Risk Strategies,” said Biernat, President, Benefit Design Group. “We know that being part of a true specialty brokerage with national scale will bring a myriad of benefits to our people, business and especially our clients.” The purchase of BDG adds to Risk Strategies’ presence in the Pacific Northwest. It builds upon the firm’s previous acquisition of the Fournier Group, a full-service commercial and personal lines retail insurance agency. About Risk Strategies Risk Strategies is the 9th largest privately held US brokerage firm offering comprehensive risk management advice, insurance and reinsurance placement for property & casualty, employee benefits, private client services, as well as consulting services and financial & wealth solutions. With more than 30 specialty practices, Risk Strategies serves commercial companies, nonprofits, public entities, and individuals, and has access to all major insurance markets. Risk Strategies has over 100 offices including Boston, New York City, Chicago, Toronto, Montreal, Grand Cayman, Miami, Atlanta, Dallas, Nashville, Washington DC, Los Angeles and San Francisco. RiskStrategies.com.

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Life Insurance, Insurance Technology

LIBRA Insurance Partners Announces Partnership with Highland Capital Brokerage

PR Newswire | August 29, 2023

LIBRA Insurance Partners (LIBRA), the largest independently-owned life insurance marketing organization (IMO) in the United States, announces a partnership with Highland Capital Brokerage (HCB), a national life insurance and annuity distribution company and a subsidiary of Osaic. "Highland Capital Brokerage is a formidable organization and we are excited they have selected LIBRA as their strategic partner to help facilitate its growth and expansion initiatives," said William (Bill) Shelow, CLU®, ChFC®, CPCU®, LLIF, president and CEO of LIBRA. HCB provides risk management strategies and solutions to help financial professionals protect and grow their clients' assets. As a national life insurance, annuity, disability, and longevity planning firm, HCB distributes these solutions across the wealth spectrum to both institutional and independent partners. "The partnership with LIBRA is an important step in Highland's evolution. Our diversified sales organization will rely on the vast array of carriers and their products to provide risk management solutions to our clients," said Teague Wright, president of Highland Capital Brokerage. "We look forward to taking advantage of the breadth of tools and resources this affiliation makes available." HCB is comprised of more than 300 employees nationwide with an exceptionally talented and tenured team. "I have enjoyed having an association in various capacities with Highland Capital Brokerage since its inception. They embody everything that LIBRA and our partners symbolize," said J. Craig Collins, executive vice president and chief relationship officer of LIBRA. "Teague and her senior leadership team have built a first-class organization and will greatly complement the markets we serve and the carriers we represent. Their interest in LIBRA further demonstrates the great value that we bring to our partner firms with our focus on delivering industry-leading tools and resources that support their efforts." Shelow added, "I believe this affiliation elevates the stature of both organizations." LIBRA Insurance Partners takes a true partnership approach with each of its valued relationships with the core belief in "the strength of many and power of one." With unique reinsurance ownership opportunities, agent retention programs, business development consulting, live training events and robust sales and marketing resources, the firm provides an unparalleled community of comradery and commitment to the success of each of its shareholders. By way of partnership, HCB further expands upon its expansive resources and capabilities with direct access to several additional proprietary advanced planning tools and benefits, including: exclusive facultative underwriting program with RGA Reinsurance Group of America, Incorporated (RGA) established relationships with an expanded lineup of affiliated carriers and reinsurers a dedicated medical director product white papers and benchmarking tools a proprietary quick quoting and informal processing platform About Highland Capital Brokerage (HCB) Highland Capital Brokerage is a national life insurance, annuity, disability, and long-term care distribution company providing point-of-sale support, advanced marketing, and creative estate- and business-planning techniques to financial advisors and insurance professionals. We deliver these services in an efficient, client-focused environment that extends to carrier and product expertise, underwriting negotiation, and complete back-office processing. Highland offers objective access to major insurance carriers, advanced planning support, expertise in risk underwriting, and back-office processing to insurance brokers, financial planners, and various institutions such as banks, wirehouses, and certified public accountant firms. To learn more about Highland Capital Brokerage, visit www.highlandbrokerage.com. About LIBRA Insurance Partners (LIBRA) LIBRA Insurance Partners is an insurance marketing organization dedicated to serving independent insurance producers, brokers, and financial institutions. Formerly known as LifeMark Partners and BRAMCO Financial Resources, and through the merger with Insurance Designers of America (IDA) in 2022, the firm exists to leverage strategic relationships, expertise, and innovation to expand life insurance distribution for the benefit of all stakeholders. LIBRA Insurance Partners is dedicated to the ongoing development and enhancement of resources to differentiate partner agencies from the competition. Its firms benefit from robust proprietary service offerings, unparalleled partnership, product expertise, and access to industry-leading technologies and tools, including expansive underwriting support resources. To learn more about becoming a LIBRA partner firm, visit  www.LIBRAInsurancePartners.com or call (410) 837-3022.

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Core Insurance

Inszone Insurance Bolsters Missouri Presence with DeVoy Insurance Group Acquisition

Business Wire | October 10, 2023

Inszone Insurance Services, a rapidly growing national provider of commercial, personal, and benefits insurance, announced the acquisition of DeVoy Insurance Group, a well-established insurance agency deeply rooted in the community of Brookfield, Missouri. DeVoy Insurance Group is run by Blake DeVoy, whose family has a storied history in the insurance industry dating back to the early 20th century, DeVoy Insurance Group has been a trusted name in Brookfield. The DeVoy family's dedication to serving their community has spanned generations, epitomizing their commitment to excellence. In 1910, Blake DeVoy's great-grandfather embarked on his journey by establishing the first insurance agency in Brookfield, later selling the original DeVoy & Co. to another local agency. In 1982, Blake DeVoy's father cofounded an agency, a strategic decision that laid the foundation for the family's continued legacy in the insurance business. Blake DeVoy himself entered the insurance industry in 2002 at the age of 19, building upon his early experiences working in his father's office. His diverse background, which includes roles as an underwriter and claims representative, equipped him with a unique perspective and skill set to navigate the complexities of insurance, making him a valuable resource for clients and strong leader for his team. "We're delighted to integrate the DeVoy Insurance Group into the Inszone Insurance umbrella," remarked Chris Walters, CEO of Inszone Insurance Services. "Their impressive legacy and enduring dedication to their local community mirrors our own commitment. This step enhances our position in Brookfield and expands our influence throughout the state, highlighting our unwavering promise to offer the best service to our valued clients." When asked about his decision to merge with Inszone Insurance, DeVoy pointed out the ever-evolving insurance landscape and business environment. He continued, “I recognized the changing demands of the insurance climate and wanted to ensure that my clients received the highest level of service." Clients of DeVoy Group can expect to receive the same exceptional service they are used to, now bolstered by the added resources available through the Inszone brand. Inszone Insurance is expected to announce several significant acquisitions in the upcoming months as part of its ongoing efforts to expand its footprint on a national scale. About Inszone Insurance Services Founded in 2002 and headquartered in Sacramento, California, Inszone is a full-service insurance brokerage firm that provides a broad array of property & casualty insurance and employee benefits solutions. With a strong, experienced management team, Inszone continues to grow organically and through acquisitions. With 44 locations across California, Arizona, Colorado, Illinois, Michigan, Missouri, Nevada, New Mexico, Oregon, Texas, and Utah, the company is looking to expand further throughout the United States.

Read More

Core Insurance, Risk Management

Risk Strategies Acquires Benefit Design Group LLC

GlobeNewswire | August 31, 2023

Risk Strategies, a leading national specialty insurance brokerage and risk management firm, today announced that it has acquired Benefit Design Group LLC, a retail agency specializing in health, life and retirement solutions. Terms of the deal were not disclosed. Based in Portland, Oregon and led by Joel Biernat and Dennis Warneke, Benefit Design Group (BDG) is an independent insurance agency specializing in health insurance solutions for businesses, individuals and seniors. With a client base across Oregon and Washington, the firm serves businesses seeking tailored employee benefits programs across a wide range of industries, including aged care, education, hospitality and manufacturing, as well as individuals and seniors. “As a national specialist in the increasingly complex world of employee benefits, we’re always seeking new partners who can add to both our geographic presence and expertise,” said John Greenbaum, National Employee Benefits Practice Leader, Risk Strategies. “It’s why we’re excited to bring Joel, Dennis and the BDG organization into the Risk Strategies family.” BDG offers a broad array of products to its individual and group insurance clients including medical, dental, life insurance, Medicare and Medicare Advantage plans, among others. BDG as constituted today, was formed in 2017 when Biernat merged the firm with Warneke’s company, The Warneke Group, LLC. That firm primarily specialized in providing services and products for employers offering group employee benefits to their employees. “We’re extremely excited to join Risk Strategies,” said Biernat, President, Benefit Design Group. “We know that being part of a true specialty brokerage with national scale will bring a myriad of benefits to our people, business and especially our clients.” The purchase of BDG adds to Risk Strategies’ presence in the Pacific Northwest. It builds upon the firm’s previous acquisition of the Fournier Group, a full-service commercial and personal lines retail insurance agency. About Risk Strategies Risk Strategies is the 9th largest privately held US brokerage firm offering comprehensive risk management advice, insurance and reinsurance placement for property & casualty, employee benefits, private client services, as well as consulting services and financial & wealth solutions. With more than 30 specialty practices, Risk Strategies serves commercial companies, nonprofits, public entities, and individuals, and has access to all major insurance markets. Risk Strategies has over 100 offices including Boston, New York City, Chicago, Toronto, Montreal, Grand Cayman, Miami, Atlanta, Dallas, Nashville, Washington DC, Los Angeles and San Francisco. RiskStrategies.com.

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Life Insurance, Insurance Technology

LIBRA Insurance Partners Announces Partnership with Highland Capital Brokerage

PR Newswire | August 29, 2023

LIBRA Insurance Partners (LIBRA), the largest independently-owned life insurance marketing organization (IMO) in the United States, announces a partnership with Highland Capital Brokerage (HCB), a national life insurance and annuity distribution company and a subsidiary of Osaic. "Highland Capital Brokerage is a formidable organization and we are excited they have selected LIBRA as their strategic partner to help facilitate its growth and expansion initiatives," said William (Bill) Shelow, CLU®, ChFC®, CPCU®, LLIF, president and CEO of LIBRA. HCB provides risk management strategies and solutions to help financial professionals protect and grow their clients' assets. As a national life insurance, annuity, disability, and longevity planning firm, HCB distributes these solutions across the wealth spectrum to both institutional and independent partners. "The partnership with LIBRA is an important step in Highland's evolution. Our diversified sales organization will rely on the vast array of carriers and their products to provide risk management solutions to our clients," said Teague Wright, president of Highland Capital Brokerage. "We look forward to taking advantage of the breadth of tools and resources this affiliation makes available." HCB is comprised of more than 300 employees nationwide with an exceptionally talented and tenured team. "I have enjoyed having an association in various capacities with Highland Capital Brokerage since its inception. They embody everything that LIBRA and our partners symbolize," said J. Craig Collins, executive vice president and chief relationship officer of LIBRA. "Teague and her senior leadership team have built a first-class organization and will greatly complement the markets we serve and the carriers we represent. Their interest in LIBRA further demonstrates the great value that we bring to our partner firms with our focus on delivering industry-leading tools and resources that support their efforts." Shelow added, "I believe this affiliation elevates the stature of both organizations." LIBRA Insurance Partners takes a true partnership approach with each of its valued relationships with the core belief in "the strength of many and power of one." With unique reinsurance ownership opportunities, agent retention programs, business development consulting, live training events and robust sales and marketing resources, the firm provides an unparalleled community of comradery and commitment to the success of each of its shareholders. By way of partnership, HCB further expands upon its expansive resources and capabilities with direct access to several additional proprietary advanced planning tools and benefits, including: exclusive facultative underwriting program with RGA Reinsurance Group of America, Incorporated (RGA) established relationships with an expanded lineup of affiliated carriers and reinsurers a dedicated medical director product white papers and benchmarking tools a proprietary quick quoting and informal processing platform About Highland Capital Brokerage (HCB) Highland Capital Brokerage is a national life insurance, annuity, disability, and long-term care distribution company providing point-of-sale support, advanced marketing, and creative estate- and business-planning techniques to financial advisors and insurance professionals. We deliver these services in an efficient, client-focused environment that extends to carrier and product expertise, underwriting negotiation, and complete back-office processing. Highland offers objective access to major insurance carriers, advanced planning support, expertise in risk underwriting, and back-office processing to insurance brokers, financial planners, and various institutions such as banks, wirehouses, and certified public accountant firms. To learn more about Highland Capital Brokerage, visit www.highlandbrokerage.com. About LIBRA Insurance Partners (LIBRA) LIBRA Insurance Partners is an insurance marketing organization dedicated to serving independent insurance producers, brokers, and financial institutions. Formerly known as LifeMark Partners and BRAMCO Financial Resources, and through the merger with Insurance Designers of America (IDA) in 2022, the firm exists to leverage strategic relationships, expertise, and innovation to expand life insurance distribution for the benefit of all stakeholders. LIBRA Insurance Partners is dedicated to the ongoing development and enhancement of resources to differentiate partner agencies from the competition. Its firms benefit from robust proprietary service offerings, unparalleled partnership, product expertise, and access to industry-leading technologies and tools, including expansive underwriting support resources. To learn more about becoming a LIBRA partner firm, visit  www.LIBRAInsurancePartners.com or call (410) 837-3022.

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