This survey questionnaire is intended for use in gathering data for the Individual Life Insurance Service Turnaround Times Survey for North American companies. endstream endobj 1348 0 obj <>/ProcSet[/PDF/Text]>>/Subtype/Form/Type/XObject>>stream ET You’ll be asked to enter your email at the end of the survey. BT endstream endobj 1329 0 obj <>/ProcSet[/PDF/Text]>>/Subtype/Form/Type/XObject>>stream 1E��}�+�'�d�����0 �)����`{�pU� ͅ3��.#&���>HL����/x/��}`w���ZO� Y4����;�*խ0N�`��m/g� x Create your own online survey now with SurveyMonkey's expert certified FREE templates. The questionnaire is all about asking the questions to the underwriter. I would like to buy life insurance but I don't know how much. To ensure that you fill out the correct from, please choose the name listed at the top of the policy/contract from the list below. 0 0 Td (4) Tj That generally takes 2-3 days. Life insurance players have started realizing that their business depends on customer service and customer satisfaction. QE��|�)��I��l��`��X���À�b�Viy�'�P*�4�Ҍ�'&|`4����/x/��}`w��,�Z7�u�L�|T�EJ͉qZl���1p�O� {I ET 0 0 Td (4) Tj endstream endobj 1363 0 obj <>/ProcSet[/PDF/Text]>>/Subtype/Form/Type/XObject>>stream /ZaDb 5.7781 Tf 1 1 6.929 8.045 re H�4ͱ endstream endobj 1334 0 obj <>/Subtype/Form/Type/XObject>>stream 0 0 Td ET �PE��|�)���}eZ1��0 �)�����_i�J/��9C��͙��w�^��Ebb[�7���3����~z�J�CbL0Q��,խ1��R[Ɍ�:X`W��7�� ~^ /ZaDb 5.7781 Tf As an independent brokerage, we have access to multiple insurance providers and can survey the marketplace to bring you solutions to best fit your needs and your budget. Q n f n f W Earn virtual points (LPs) that can be redeemed for e-gift cards, PayPal and much more. 0 0 8.929 10.0449 re RECEIVE YOUR LIFE INSURANCE QUOTE Complete the online life insurance quote questionnaire request form, and return it by selecting the submit button below. endstream endobj 1323 0 obj <>/Subtype/Form/Type/XObject>>stream ET H�4ʻ 1 1 6.929 8.571 re Q endstream endobj 1320 0 obj <>/ProcSet[/PDF/Text]>>/Subtype/Form/Type/XObject>>stream 5.5643 TL endstream endobj 1360 0 obj <>/ProcSet[/PDF/Text]>>/Subtype/Form/Type/XObject>>stream endstream endobj 1333 0 obj <>/ProcSet[/PDF/Text]>>/Subtype/Form/Type/XObject>>stream Insurance surveys are the best mediums for the company to assess the problems encountered by the clients. Good probing questions for life insurance should take into consideration the client’s employer-based life insurance and any other individual policies in … … marital separation, death of a family member, trouble with employer, etc.) f The survey is being conducted in three stages. W endstream endobj 1347 0 obj <>/ProcSet[/PDF/Text]>>/Subtype/Form/Type/XObject>>stream (4) Tj /ZaDb 5.7781 Tf /ZaDb 5.7781 Tf The Genworth Financial family of companies services life insurance … n Sponsor: Erie Insurance, 100 Erie Insurance Place, Erie, PA 16530. The various survey samples on our website will offer you insight on the best way to design and create a survey questionnaire in the insurance sector. (4) Tj LIFE ASSURANCE DESIGN QUESTIONNAIRE I N S U R E D I N F O R M A T I O N CLIENT NAME(S): 1. 1 1 6.929 9.097 re H�4ͱ endstream endobj 1325 0 obj <>/ProcSet[/PDF/Text]>>/Subtype/Form/Type/XObject>>stream The first stage consists of the enclosed questionnaire. Which of the following services would you be willing to acquire with life insurance? h޼[mS9�+���Fj�_����$�-I6&��Q|00�������[/��!�&)c͌�z��i���� The survey has brought out various findings from the information it gathered relating to the socio-economic profiles of the insured and the uninsured in both rural and urban areas and correlating it to various life and general insurance parameters. With our survey samples, you can easily and quickly create a compelling survey questionnaire to collect the views of your customers. 2.0204 3.0666 Td There is an unwriting risk for loans, insurance, and security. 2.0204 3.0666 Td � � Insurance Policy Survey Template offers questions and examples to evaluate customer satisfaction based on an insurance claim including auto, home and life. This “Do you have health insurance?” survey will help you understand the full picture behind people’s insurance status so that you can address any unmet insurance and care needs. n 1 1 6.929 8.045 re The following article is based on extensive research from various studies and surveys conducted between 2011 and 2019 regarding life insurance.. Here’s some quick facts: Of the thirteen top financial concerns, life insurance can provide a solution to four of them; education expenses (for dependents), income replacement (for dependents), final expenses and leaving an inheritance. How To Create a Survey Questionnaire. q BT 1E��}�+�'�d�����0 �)����`{�pU� ͅ3��.#&���>HL����/x/��}`w���ZO� Y4����;�*խ0N�`��m/g� x f ET 5.5643 TL State The Survey’s Purpose ET Q endstream endobj 1372 0 obj <>stream 888 GENWORTH (888.436.9678) Monday–Thursday 8:30 AM–6 PM ET Friday 9 AM–6 PM ET. 0 0 Td q Learn not only if people have health insurance, but who pays for the insurance if people have it, and what the insurance covers. 0 0 8.929 10.045 re 0 0 8.929 10.045 re 2.0204 3.0666 Td endstream endobj 1331 0 obj <>/ProcSet[/PDF/Text]>>/Subtype/Form/Type/XObject>>stream 2.0204 3.3296 Td Email or another contact information: A8. H�4ͱ This is the final master questionnaire (approved on 9 September 2011) of the third European Quality of Life Survey (3EQLS) which took place in 2011–2012. 0.749023 g BT 0.749023 g (4) Tj 0.749023 g /ZaDb 5.7781 Tf �@��~�-�gwg_m��F�)������ ��J��1q�R٤�Π�V��1aA``�y��߽���q~2K�-�'DѨ�$Z�/d������\7l ��� Human Development Survey (IHDS) in 2004-05 and 2011-12 was used for this purpose. 0 0 8.929 10.045 re 2.0204 3.0666 Td BT A study on customer satisfaction of life insurance policies 1. International Journal of Financial Management Research and Development (IJFMRD), ISSN 2248– 9320 (Print) ISSN 2248 – 9339 (Online), Volume 1, Number 1, January - April (2011) 36 A STUDY ON CUSTOMER SATISFACTION OF LIFE INSURANCE POLICIES WITH SPECIAL REFERENCE TO MAX NEW YORK LIFE INSURANCE, CHENNAI … BT ... Life Insurance. Q 0 0 8.929 10.045 re 1E��}�+�'�d�����0 �)����`{�pU� ͅ3��.#&���>HL����/x/��}`w���ZO� Y4����;�*խ0N�`��m/g� x ;���:�2Ǟ� ���G_�l�3��� ��9�[u�ʰma��V�Vu��Bx�[�v�Aj�:S�d�fz-��_�X~�����O�y�Y��o������g�]�4��ԝd���4�CE�ŏ:+�~�Ǎ'.d�I��%=�8�#�Ū�Pc���`'�#F�+9���Ą j"\-L� Insurance awareness survey report ... and coordinating with NCAER from the stage of formulation of the objectives of the survey and structuring of the questionnaire, to finalization of the report. endstream endobj 1367 0 obj <>/Subtype/Form/Type/XObject>>stream n 1E��}�+�'�d�����0 �)����`{�pU� ͅ3��.#&���>HL����/x/��}`w���ZO� Y4����;�*խ0N�`��m/g� x Lincoln Financial Group is the marketing name for Lincoln National Corporation and insurance company affiliates, including The Lincoln National Life Insurance Company, Fort Wayne, IN, and in New York, Lincoln Life & Annuity Company of New York, Syracuse, NY. (4) Tj ������&�9�ȷ�m=��='n{m�sn����;o���蹽�=��������g���^���2w��Ā1^��Ý%b��yۜ 2.0199 3.0666 Td 1 1 6.929 8.045 re �@E��>�-�gwg�Z��F��h�y����8pT�u����&=v����_��۟|�|��q�˃Yjm�>#�F5&�R*��,�X����;�߸:�� 0 x= q We appreciate your time in taking the Eriesense magazine readership survey and promise it will only take a few minutes out of your day. f 0 0 Td Business expenses questionnaire Page 1 of 3 Policy type: Wealth Protection FutureWise Your duty of disclosure Before entering into a life insurance contract, we must be told anything that each of you as the proposed policy owner and the life to be insured ET Q (4) Tj 0 0 8.929 10.045 re 0.749023 g n Economists typically indicate that well-being can be inferred by simple observation. The life insurance questions have been culled from many different sources so that the answers provided will be as complete as possible. 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PROLINK's Life & Health Insurance Questionnaire . endstream endobj 1308 0 obj <>/ProcSet[/PDF/Text]>>/Subtype/Form/Type/XObject>>stream 1 1 6.929 8.045 re 1E��}�+�'�d�����0 �)����`{�pU� ͅ3��.#&���>HL����/x/��}`w���ZO� Y4����;�*խ0N�`��m/g� x BT 0 0 8.929 10.045 re W �Б``,�� 40bS�4����Aȳ�I`,�)�D�Lˌ�t0��"6�3�0Lg�dx��3L�=�(�8��e�!v��0Y0��a&�� ����X�{Xo������b>Ò������>���R�z��]�3�����І�@3�1Lcex�(�(��("�0�`x�(d=`�dO��d��1 W Generating awareness for life insurance ownership is fundamental to driving increased life insurance sales. /ZaDb 5.7781 Tf h�b```f``ic`g`��� Ȁ �@1N�c �j��#��[00��-˜��@'�h�X@C�tꢇ[�%H�~�X��T�łs/�������;>y�gUVR�ؕ7\�4��s���a����ԣ�5�]N�}E����_6K9ꥸ���hɲ���Yx�ĒEM��/g^y�h�0p�5�P��Q����y�&�ْ�y���ۖ�1��~�Xtd��[/�)jN�v����?U� ET endstream endobj 1362 0 obj <>/ProcSet[/PDF/Text]>>/Subtype/Form/Type/XObject>>stream f 1 1 6.929 8.045 re Q PROLINK's Life & Health Insurance Questionnaire. W endstream endobj 1321 0 obj <>/ProcSet[/PDF/Text]>>/Subtype/Form/Type/XObject>>stream f W ET Q endstream endobj 1327 0 obj <>/ProcSet[/PDF/Text]>>/Subtype/Form/Type/XObject>>stream 0.749023 g Q Are you an insurance service provider? /ZaDb 5.7781 Tf Some of the examples of this questionnaire are "Do you have an insurance policy? 0.749023 g q An insurance survey must be purpose-driven. The underwriting guide will allow you to compare product features, underwriting guidelines, build charts (height and weight), and underwriting requirements. H�4ͻ Use this life insurance quote sheet template for your life insurance program and get a quote quickly from your clients. endstream endobj 1292 0 obj <>/Metadata 207 0 R/OCProperties<>>>/Outlines 425 0 R/Pages 1289 0 R/StructTreeRoot 557 0 R/Type/Catalog>> endobj 1293 0 obj <>/ExtGState<>/Font<>/ProcSet[/PDF/Text/ImageC/ImageI]/XObject<>>>/Rotate 0/StructParents 0/Tabs/S/Type/Page>> endobj 1294 0 obj <>/ProcSet[/PDF/Text]>>/Subtype/Form/Type/XObject>>stream 0 0 8.929 10.046 re 1����ڌ�d2IZq;a@�St,���>�J���p�R�e����V�y`��������__��.�ÍUZ�1#�f5Qwg�Q����2��'| ��� n The more risk factors you have, the more you pay. f Surveys. Organisation(s) responsible A4. BT Overall insurance surveys are beneficial both to the company as well as the clients and hold the capacity to bring major changes if analyzed properly. endstream endobj 1317 0 obj <>/Subtype/Form/Type/XObject>>stream H�4ͱ f ȬA�r�ȁ"�(r�i^��"G9� SE�*U��@U��"YɺH�E�.�u���d]$�"YɺH�E�)Mh�@S�"�9�4��-rlin[��һ+�\�ԕʮTv��K���v������LJ�:�n�Qu��G���z�z_�TNw�����]�w}us��C}��U�� q Insurance Questionnaire Insurance questionnaires are a set of questions related to different insurances and their policies. �#�L��|�6W4b`^{TD Q�>����H310pm ҟ8;�,��}�5�?����ݷ8����ě�~�^e�]z⮇��wש�������m��n���u����K�[%u�e[. If we need to shop for the best rate we will let you know. It helps in promoting certain policies in different sectors of insurance which is appreciated by the clients. The Life Experiences Survey (Sarason et al., 1978) is a 57 item measure that asks respondents to rate the occurrence of life events (e.g. Create your own online survey now with SurveyMonkey's expert certified FREE templates. ET n endstream endobj 1370 0 obj <>/ProcSet[/PDF/Text]>>/Subtype/Form/Type/XObject>>stream f W endstream endobj 1343 0 obj <>/ProcSet[/PDF/Text]>>/Subtype/Form/Type/XObject>>stream q Make your question listing simple, understandable, and well-formatted. PrefaceInsurance markets in India are showing clear … Feedback survey templates . Gain actionable insight on claim outcomes, customer service, and plan renewal rates by listening to feedback from your customers. BT It doesn’t make sense to allow someone with a greater probability of death to pay the same as someone who … Which of the following options do you agree with the most? n Product Feedback Survey Template Use insights you get from this survey to fuel product growth. W /ZaDb 5.7781 Tf f 2.0204 3.0666 Td 2.0204 3.0667 Td (4) Tj Companies participating in this survey will receive a report with aggregate statistical summary of all participating companies. Country A2. W (4) Tj q 259 King St. E. Kingston, Ontario. 2.0204 3.0667 Td endstream endobj 1319 0 obj <>/Subtype/Form/Type/XObject>>stream BT /ZaDb 5.7781 Tf questionnaire cover letter examples cover letter survey resume … Cover Letter for Survey Questionnaire Inspirational 57 Awesome Cover … exampl ET 0 0 Td 0 0 Td 2.0204 3.0666 Td �@E��>�-�gwg�Z��F��h�y����8pT�u����&=v����_��۟|�|��q�˃Yjm�>#�F5&�R*��,�X����;�߸:�� 0 x= 0 0 Td The survey shows that most of the insured are salaried, regular wage earners or self-employed. H�4ͽ endstream endobj 1340 0 obj <>/Subtype/Form/Type/XObject>>stream Survey Questionnaire on Agricultural Practices Author: Sudha Last modified by: Agnes Nathan Created Date: 7/31/2006 3:38:00 AM Company: Educomp Other titles: Survey Questionnaire … 0 0 Td ET The information obtained from the questionnaire will assist in the second stage, which will be telephone or face-to-face interviews with the respondents. 2.0204 3.0666 Td Q Your opinions are important, and we look forward to using the results to continue to bring you content that is relevant, fresh and helpful. ET For example, maybe you’re doing a life insurance fact finding questionnaire, and you’re figuring up what amount of coverage makes sense. 0 0 Td endstream endobj 1338 0 obj <>/Subtype/Form/Type/XObject>>stream W 0 0 8.929 10.045 re endstream endobj 1365 0 obj <>/ProcSet[/PDF/Text]>>/Subtype/Form/Type/XObject>>stream H�4�1 To help you obtain competitive life insurance quotes, please provide information on your medical history, … 1E��>�-�'����;Ew�B��/�~8*պ��Je�;��Z��_����W|F���8�����}F�jL��x"K.���u0`g{��タ xG� 5.5643 TL /ZaDb 5.7781 Tf (4) Tj These kinds of questionnaires are generally prepared for collecting a detailed overview about the kind of insurance that is being preferred by most and the reason of their disliking associated with any particular kind. 1E��}�+�'�d�����0 �)����`{�pU� ͅ3��.#&���>HL����/x/��}`w���ZO� Y4����;�*խ0N�`��m/g� x By observing the conditions in different domains of life, one can get a much better view of how satisfied or unsatisfied they may be within that realm. 2.0204 3.0666 Td Q endstream endobj 1368 0 obj <>/ProcSet[/PDF/Text]>>/Subtype/Form/Type/XObject>>stream G-Forms\GBS Insurance and Financial\GIFS Life Ins. 1 1 6.929 8.045 re Hinerman Group Quote Questionnaire. Date in which this questionnaire is filled . W /ZaDb 5.7781 Tf q 1. Instead of asking for the face value of life insurance policies, the questionnaire was revised to collect information on the cash value of life insurance policies. q f /ZaDb 5.7781 Tf f ", "Who influenced you to get an insurance policy?" endstream endobj 1306 0 obj <>/ProcSet[/PDF/Text]>>/Subtype/Form/Type/XObject>>stream 0.749023 g 1492 0 obj <>stream 1 1 6.929 8.045 re 0 0 8.929 10.045 re /ZaDb 5.7781 Tf 8:30 am to 5:00 pm, EST weekdays Answers to these questionnaires can help us determine which carrier will best underwrite your client based on the most important details. 2.0204 3.0666 Td ET 1 877 548-1881. info@empire.ca. f /ZaDb 5.7781 Tf ET 0 0 Td Insurance surveys are the best mediums for the company to assess the problems encountered by the clients. How to use underwriting questionnaires. The survey instrument was a SERVQUAL . 1 1 6.929 8.0449 re To avoid doing so, here are some tips in writing the complete survey questionnaire. ߽ 7]зW����zrVq�6��c�Ҟ� �+�s$��� u�[o�W��`0N��s��z�>�9�w�c�����{u��7o�'���4է�L�IH�c��D+h9t"G3S���i�罛�zR���m��1�ci`��p(] Cn�m[Cq����aRz�%�#�K���v���`���^�ql�n�,p�8�7{|"0��x{K�%��Y��d����Vov��r�i�M���H��e��/N}9M����g�v�5%F̄�G�0���q��{_��ش�f25�곺~�8��CK��ؽTS��r�EQ�9����M.�B4WvJ.�,������Z��Āf38S��}��k^ >8�(8����C�jзq�t�{����y*�Kp��p�vN �,�� ��p�a�~ѳ)���è�a�+Y����6:��ë�@�\��pz�3�tm�_n�I��'|�y [��J�S��T�q��h�0��Hn�2js8Z�ZZG�8��BѸh@�F�Ti��ҡJ+�v�Ti9��y�=���\��fK�aL �z5��ƽZ�Ti�U�6sR���K4�(�|2k�i�깚�{Ƶ=�=c��ۚp�s9�. n Forget pencil and paper forms. endstream endobj 1337 0 obj <>/ProcSet[/PDF/Text]>>/Subtype/Form/Type/XObject>>stream q endstream endobj 1356 0 obj <>/ProcSet[/PDF/Text]>>/Subtype/Form/Type/XObject>>stream 0.749023 g Just like the processes that you need to go through when making any other sample survey questionnaire samples, the body of your insurance survey should be the highlight or focus of the survey tool. 2.0204 3.0666 Td q of life insurance companies operating in Canada. examples of cover letters for questionnaires – Denmar.impulsar.co. Insurance Policy Survey Template offers questions and examples to evaluate customer satisfaction based on an insurance claim including auto, home and life. q (4) Tj BT 5.5643 TL Q BT 0.749023 g 5.5643 TL 2.0204 3.0667 Td 5.5643 TL endstream endobj 1326 0 obj <>/Subtype/Form/Type/XObject>>stream W 0 0 Td Home / Claims / Life Insurance & Annuity Claims / Life Insurance Claim Forms & FAQs. 0 0 Td The aim of this survey is to know what is your perception about life insurance. COVID-19 Consumer Sentiment Survey; Contact Us. If you want to use an agricultural insurance survey, know whether you would like to focus on the feedback about the quality of your agricultural insurance offers or the perception of your stakeholders with regards your agricultural insurance business operations. Every insurance company has its own way of dealing with life insurance, every company’s insurance plans and policies differ and it’s always good to have a questionnaire before the client applies for life insurance. Instead, leave lasting impressions. n 5.5643 TL 5.5643 TL H�4ͽ Branding Questionnaire Template Get insights to navigate the market and build your brand. H�4ͽ Q The various survey samples on our website will offer you insight on the best way to design and create a survey questionnaire in the insurance sector. Javascript is required for this site to function, please enable. BT The survey has brought out various findings from the information it gathered relating to the socio-economic profiles of the insured and the uninsured in both rural and urban areas and correlating it to various life and general insurance parameters. Life Insurance Underwriting Questionnaire The following questions are designed to help establish potential underwriting classifications, identify the best potential insurance company and avoid quoting rates that an insurance prospect will not qualify for. AE��>�-����dfZ��Fv���_�,�~8*�M�3��.#u�����>0}����K>c�]o�;��֍1!��̢��x�J���u���l/g� yw 0.749023 g endstream endobj 1297 0 obj <>/ProcSet[/PDF/Text]>>/Subtype/Form/Type/XObject>>stream �PE��|�)���}eZ1��0 �)�����_i�J/��9C��͙��w�^��Ebb[�7���3����~z�J�CbL0Q��,խ1��R[Ɍ�:X`W��7�� ~^ endstream endobj 1313 0 obj <>/Subtype/Form/Type/XObject>>stream Insurance Agent Evaluation . n Identification A1. 5.5643 TL q Whatever you include in a survey questionnaire can impact the value of your results. ET 5.5643 TL The survey shows that most of the insured are salaried, regular wage earners or self-employed. If you have the possibility to get a scholarship loan, would you be willing to buy life insurance? 1 1 6.929 8.045 re 1 1 6.929 8.045 re It has to answer the different questions in the document. %%EOF 5.5643 TL It is important for you to evaluate the performance of your agents in the field. endstream endobj 1299 0 obj <>/Subtype/Form/Type/XObject>>stream > Life and Health Insurance Questionnaire – Kris Sabramsky. Now, thinking of all the personal insurance policies you currently have, how much in total are you covered for death cover only? n�R�P4�J��瘴��j���c‹�2�3M ��~��s�ɓ�߿E7H��[���\�L�8�$���$�� ���xU ۶�k!nj�Cƥe4r�� �'1g���~�~-��=�\�i�jZ {���@�9����Śb.� �F� ����R�J�%*��6�~)f��FW�lf` �żv�u��V��� (4) Tj endstream endobj 1349 0 obj <>/ProcSet[/PDF/Text]>>/Subtype/Form/Type/XObject>>stream Cover Letter For Survey Questionnaire Examples – Chechucontreras.com. 2.0204 3.0666 Td _____ 2. W Sample Life Insurance Questionnaire: Take personal details: Name of the individual: Date of Birth: Gender: Marital status: Educational Background: Current Work Details: Source of Income: Type of Job: Family Income (monthly): Address: Land Line: Mobile: Email ID: Working company ID: Social Security ID: Birth Place: Driver's License: Permanent residence Card: (4) Tj 0 0 8.929 10.045 re 0 0 Td 0 0 8.929 10.045 re The questionnaire was translated into 25 languages (31 unique language versions) across the 27 EU countries, and seven languages (9 language versions) in seven non-EU countries. H�4�1 5.5643 TL Customize the form if there are certain questions you’d like to ask. 0 0 8.929 11.097 re (4) Tj This sample can be edited by the survey maker according to the required details about the insurance policies. BT BT 2.0204 3.0666 Td A. /ZaDb 5.7781 Tf n endstream endobj 1353 0 obj <>/ProcSet[/PDF/Text]>>/Subtype/Form/Type/XObject>>stream 0 Agency: A7. Get involved with LifePoints. 2.0204 3.0666 Td endstream endobj 1361 0 obj <>/Subtype/Form/Type/XObject>>stream Then don’t suck the life force out of people with the average, bland survey. f 0 0 Td 1395 0 obj <>/Filter/FlateDecode/ID[<73A8E4D89F238E47957E314C09B853D3>]/Index[1291 202]/Info 1290 0 R/Length 212/Prev 264513/Root 1292 0 R/Size 1493/Type/XRef/W[1 3 1]>>stream (4) Tj 0 0 Td endstream endobj 1305 0 obj <>/Subtype/Form/Type/XObject>>stream (4) Tj endstream endobj 1344 0 obj <>/Subtype/Form/Type/XObject>>stream ET r\������r��y�S ���`�͋,̧ ��� � V�� 1 1 6.929 8.045 re 1 1 6.929 8.045 re /ZaDb 5.7781 Tf endstream endobj 1332 0 obj <>/Subtype/Form/Type/XObject>>stream 2.0204 3.5926 Td Less than Rs 50,000 Rs 750,001-10,00,000 Rs … 1 1 6.929 8.045 re 0 0 8.929 10.045 re As an independent brokerage, we have access to multiple insurance providers and can survey the marketplace to bring you solutions to best fit your needs and your budget. 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