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Important Terms Insurance Agents and Agencies Use
The following are some important – but lesser known – insurance terms that may be used by your insurance agent or agency.

Binder: A binder is an initial or limited agreement between an insurance agent or agency and a client. Binders are a way of offering temporary coverage to an individual before a permanent policy is drafted or signed.

Comprehensive Coverage: Comprehensive coverage reimburses a policyholder for uncontrollable occurrences. Comprehensive coverage can be included in auto and homeowners insurance policies and includes events like vandalism, theft, fire, and damages caused by natural disasters like storms and floods.

Endorsement: An endorsement, or rider, is a change made to an insurance agreement that adds or eliminates certain coverage.

Incontestable Clause: An incontestable clause is a part of certain kinds of insurance policies that removes an insurance company’s ability to argue a claim. For example, if someone with life insurance commits suicide, the insurance company cannot deny coverage if the policy has been in effect for a certain amount of time. Incontestable clauses usually take effect after about two years.

Lapse: A lapse is an end to insurance coverage due to nonpayment. Most policies offer a grace period before a lapse occurs.

Mandated Benefits: These are policy benefits that must be offered to health insurance subscribers. Mandated benefits are determined by state and federal laws.

Surcharge: A surcharge is a monthly fee in addition to the usual monthly premium. Surcharges are often added to car insurance policies if a moving violation or accident has been reported.

Underwriting: Underwriting is the process of charging particular rates based on a potential or current client’s general information. This generalization is the degree of insurability of a particular group. For example, a teenage female and an elderly male are classified differently and will pay different premium rates.

Connecture
Our local North Dakota area insurance agents specialize in family and individual coverage to suit your budget and needs. Let us make sure you have the coverage you need from our insurance agents.
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National Association of Professional Insurance Age
The members of our prestigious association are the most professional insurance agents available in the nation. Find the right type of provider and coverage you need with our association.
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American Association of Health Plans
If you're looking for a dependable and affordable health insurance agent or agency near you, check our association's directory. Listing only the best insurance agents and agencies in the country.
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National Center for Assisted Living
Businesses specializing in health care coverage should be a part of our nationwide association for health care. Whether you're an insurance agent or agency, you should be a part of our association.
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STANDARD LISTINGS:   INSURANCE-AGENTS-AND-AGENCIES IN/NEAR NORTH DAKOTA
Basin Insurance Services Write review for this local business
1133 S 12th St, Bismarck, ND 58504
(701) 255-6234  
Sanford Insurance Agency Write review for this local business
513 E Bismarck Expy Ste 15, Bismarck, ND 58504
(701) 255-2595  
Aig-American General Write review for this local business
844 Po Box, Beach, ND 58621
(701) 872-4001  
John D Schumacher Insurance Write review for this local business
215 Airport Rd, Bismarck, ND 58504
(701) 223-3072  
Wagner Financial Services Write review for this local business
121 S 5th St, Bismarck, ND 58504
(701) 222-8504  
Kramer Agency Write review for this local business
123 E Broadway Ave, Bismarck, ND 58501
(701) 255-4502  
Aetna Write review for this local business
1800 E Interstate Ave, Bismarck, ND 58503
(701) 221-2040  
Farmers Union Insurance Write review for this local business
119 E Main St, Beulah, ND 58523
(701) 873-2449  
Tst LTD Write review for this local business
1605 E Capitol Ave, Bismarck, ND 58501
(701) 222-0833  
Mutual of Omaha Write review for this local business
1910 N 11th St Ste 10, Bismarck, ND 58501
(701) 255-4787  
Vaaler Insurance-Bismarck Inc Write review for this local business
300 N 4th St, Bismarck, ND 58501
(701) 258-2800  
Farmers Union Insurances Write review for this local business
1820 E Broadway Ave, Bismarck, ND 58501
(701) 223-3715  
Golva Insurance Write review for this local business
189 Po Box, Golva, ND 58632
(701) 872-3734  
Gateway Insurance Write review for this local business
2021 E Main Ave, Bismarck, ND 58501
(701) 223-5812  
Agri-Risk Management Write review for this local business
308 Po Box, Beach, ND 58621
(701) 872-4461  
New York Life Insurance Company Write review for this local business
125 W Main St, Beulah, ND 58523
(701) 873-2273  
Prairie Life and Health Marketing Write review for this local business
3333 E Broadway Ave Ste 1214, Bismarck, ND 58501
(701) 222-2593  
Vanover Nd Agency Write review for this local business
925 Basin Ave Ste 1, Bismarck, ND 58504
(701) 258-2158  
Farmers Insurance Group Write review for this local business
919 S 7th St Ste 502, Bismarck, ND 58504
(701) 223-0770  
Nodak Mutual Insurance Co Write review for this local business
518 Po Box, Beach, ND 58621
(701) 872-3100  
A & M Insurance Inc Write review for this local business
523 E Bismarck Expy Ste 11, Bismarck, ND 58504
(701) 250-6417  

Insurance agencies and the agents themselves may consider very different coverage plans for homeowners or commercial property brokers. Whether farmers need coverage or you need a plan for your auto, as well as medical or traveling insurance, much can be considered a liability so it’s important to hire a licensed agent who can provide general services. Whether you have specialties, such as traveler insurance or have specific health issues, finding the right group that covers federal needs as well as workers compensation and everything between can make the difference between surviving and losing everything.

  • What rate will my premiums run?
    A quote will be established and then, after everything is set into place, an insurance agency will send you rates with different coverage options. Rates vary depending state to state and whether these are high risk or require long term coverage for a business, network of offices, even national needs can be covered.

  • What property is covered?
    Be clear about the property that is being covered and what it entails. Different elements, such as water or fire, produce a higher risk for certain properties. Liabilities may spike your ratings, so any specialty needs to be addressed.

  • Do you have certification?
    Asking if all the titles are in place for homeowners, as well as automobile owners can affect both liability and management of the insurance plan.

  • Can I get a cheaper premium?
    Most of the time cheaper insurance is available, but this effects how much the insurance company will make available incase your health declines and your medical bills sore, or you have an auto accident. This effects any kind of insurance for travelers, and commercial properties as well as unemployment.

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