Bell & Associates | Life Insurance Specialists

800.308.BELL

Distinct Advantages of Partnering with Us

Dating back to 1981, Bell & Associates has consistently led the nation in life insurance sales amongst several major carriers and have consistently placed cases in excess of $1,000,000 of Target premium.  This ensures industry-leading underwriting offers and the highest commission payouts available. We have helped our agents work with estates from $100,000 on up to estates valued over $1 Billion.  Simply put, we are experts in the largest life insurance transactions that exist.  When only the best will do, choose Bell & Associates for all your life insurance needs.

For 30+ years Bell & Associates has created a vast network of strategic alliances and affiliations to deliver you the life insurance agent the most comprehensive inventory of life insurance products, carriers, and agent support services in the country.  We built an integrated network comprised of the top impaired risk underwriting experts, product experts, and planning advisors with a singular goal in mind…to ensure the highest policy placement ratio for our agents - period.

Nowhere is this more evident than with our national network of impaired risk managers, former carrier underwriters and physicians that comprise our Medical Assessment SpecialtyHealth unit or "M.A.S.H." unit. This underwriting team features our proprietary case packaging process called "triage" field underwriting. This process gathers the complete medical requirements, reorganizes the file in into our packaging format and covered with an executive summary. The executive summary is distributed in a central depository for multiple carrier review which results in the best offer and expedites the life insurance process considerably.

Our legal network of attorneys, CPAs and carrier Advanced Sales teams interact with our in house marketing team, the S.W.A.T. Unit for various sales strategies, financial concepts and planning scenarios that can differentiate you as an expert.



Additional Coverage with Accelerated Underwriting:

  • Available to individuals who have been fully underwritten for term insurance within the past 5 years
  • No new medical exam required
  • Available up to age 60 and $1,000,000 DB
  • Access to some of the most competitive term products in the marketplace

Unique Indexed Annuity:


  • 12% commission available
  • Extremely liquid
  • Up to 60% of Asset Value after just 30 days penalty free!
  • Built-in Accelerated Care Benefits
  • "A" rated AM Best

Simplified Issue IUL Program:


  • No medical exam (phone underwriting)
  • Targets age 40-60 clients looking for tax-free retirement income
  • Uses #1 selling indexed UL product in the country!
  • Up to $1,000,000 of coverage available!