Life insurance
Term, whole life, universal, and indexed universal. Estate planning cases, business buy-sell funding, wealth transfer, and straightforward income replacement.
Life, long-term care, annuities, and disability. One call.
We're an independent brokerage general agency. Financial planners, producers, and agencies bring us their cases. We handle the carrier selection, the illustrations, the underwriting, and the paperwork through to placement.
- Independent since
- 2004
- Carriers represented
- 20+
- Based in
- Orlando, FL
Who we work with
- Financial planners and advisors who need insurance expertise without building it in-house.
- Independent producers who want carrier access and street-level commissions.
- Agencies looking to place cases outside their core lines.
- CPAs, attorneys, and trust officers with clients who need coverage reviewed or placed.
What you can place through us
Long-term care
Traditional LTC and hybrid life-with-LTC designs. Predicting a client's future care needs is nearly impossible, so we lean toward policies with flexible benefit options.
Annuities
Fixed, indexed, and immediate. Income planning, sequence-of-returns protection, and repositioning assets a client no longer wants exposed to market risk.
Disability income
Individual DI for professionals and business owners, plus business overhead expense coverage. The line most advisors skip and most clients need.
Final expense
Our longest-running specialty. Small-face whole life covering funeral, burial, and medical costs, with simplified and guaranteed-issue options for clients who won't qualify elsewhere.
What we handle for you
- Case design and illustrations
- Send us the client scenario. We run the numbers across carriers and come back with options, not a single quote.
- Underwriting advocacy
- We take the case to the carriers before you formally apply, including impaired-risk clients other agencies decline to shop.
- Contracting and licensing
- Appointments, carrier paperwork, and license tracking, so you're cleared to write before the case is ready.
- One case manager
- You work with the same person start to finish, backed by the full office. No queue, no handoffs, no repeating yourself.
How a case moves
-
Get contracted
One conversation and a short packet. We handle carrier appointments from there.
-
Send the scenario
Client age, health picture, and objective. An illustration request is enough to start.
-
We shop and pre-underwrite
You get carrier options with real underwriting feedback attached, not best-case quotes.
-
Submit and place
We track the case through underwriting to issue and keep you posted without being chased.
Let's talk about a case
Whether you have a quick product question or a complicated placement, start with a call. If you'd rather get contracted first, we can do that in the same conversation.
- 800.291.7985
- casey@niblife.com
- Casey Ottenberg · 407.988.1562
Orlando, FL 32801