DISCLOSURES

Quotes are based on info provided. Carrier will adjust rates accordingly if submitted info varies.

In accordance with the National Association of Insurance Commissioner (NAIC) guidelines for consumer disclosure: Agents and Brokers generally are paid a sales commission by an insurance carrier for the sale and service of an insurance policy or contract. Commissions may be a one-time payment, may be for the first year only, for a specified period, or may be for the life of the contract. Commissions may be a fixed amount, a percentage of premium, level or graded and may vary based on sales production, client retention, or by other criteria determined by each insurer. Performance based contingent commissions such as sales bonuses, production incentives, contests, trips, prizes, etc. may be offered to the agent or broker by an insurance carrier.

Our position: We all expect to be compensated for the work that we do. Like many sales organizations, commissions are how we are paid for our work. Our client's are generally presented with more than one plan option and they choose the plan that is best for their needs based on a balance of cost and benefits. Our job is to help our clients to select the best plan for their needs without regard to how we may be compensated by that carrier. Since we do not sell based on bonuses or additional carrier incentives, any contingent commissions we may receive are co-incidental. L & A's sales reps are employees, are paid salaries and benefits plus bonuses to sell new and to service our in force accounts. Our clients are very important to us. Should you have any questions about this, please let us know.

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