Does Brown & Brown Sell Life Insurance?

Brown & Brown's Life Insurance Offerings

Brown & Brown does sell life insurance. It does so by partnering with a network of independent agents who represent multiple carriers. These agents can offer term life, whole life, and universal life policies, depending on the insurer's product lineup.

How the Process Works

Customers first contact a Brown & Brown agent, either by phone or the company's website. The agent assesses the client's needs, health history, and financial goals, then matches them with suitable life‑insurance products from carriers that partner with Brown & Brown.

Term Life Insurance

Term policies provide coverage for a fixed period (e.g., 10, 20, or 30 years). They are often the most affordable option and are available through carriers such as State Farm and New York Life that work with Brown & Brown.

Whole and Universal Life

Whole life offers lifelong coverage with a cash‑value component, while universal life provides flexibility in premium payments and death benefits. These products are offered by carriers like Northwestern Mutual and Guardian, again through Brown & Brown agents.

Eligibility and Underwriting

Eligibility depends on age, health, and the specific carrier's underwriting guidelines. Most term policies require a medical exam for applicants over 35, but some carriers offer no‑exam or simplified issue options for younger buyers.

How to Apply

1. Find a local Brown & Brown agent through the company's online directory.2. Schedule a consultation to discuss coverage needs.3. Complete the application and any required medical exams.4. Receive policy issuance and ongoing support from the agent.

Key Takeaways

• Brown & Brown sells life insurance via a broad network of carriers.
• Products include term, whole, and universal life options.
• Eligibility and application processes vary by carrier.