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Home » Life and Health E&O Insurance

Life and Health E&O Insurance

Coverage Highlights:

  • Preferred Risk Rates
  • Bind Instantly
  • Immediate Proof of Insurance

(See Policy Summary for More Details)

  • Advocacy Legal Defense
  • Extended Tail Coverage
  • A Rated (Excellent) Carrier
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Life & Health Agent E&O Coverage Provides coverage for the sale and servicing of life, accident, and health insurance and managed care organization contracts. New Limits of Liability $1M per Claim, $3M Aggregate
$479.00 yearly price. $35.93 monthly price.
Do you sell Property & Casualty Insurance? Purchase Additional Coverage for:
$350.00 yearly price. $26.25 monthly price.
Do You Sell Fixed and Indexed Annuities? Purchase Additional Coverage for:
$100.00 yearly price. $7.50 monthly price.
Do You Sell Variable Products or Mutual Funds? Purchase Additional Coverage for:
$100.00 yearly price. $7.50 monthly price.
Do You Sell Disability Income Insurance? Purchase Additional Coverage for:
$26.00 yearly price. $1.95 monthly price.

Customize Your Coverage to Fit Your Business Needs

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Please be advised that the premium/cost charged shall be deemed fully earned. Cancellations with requests for return premium shall not be permissible, subject to laws and regulations. Fee disclosure: Prices include an annual fee of $115 to cover the cost of access to risk mitigation tools and for administrative fees that are not a part of the insurance transaction. Coverages are underwritten by Certain Underwriters at Lloyd’s, London. Certain coverage restrictions apply.

If you select the monthly option, a 25% down payment will be charged upon processing of this Application. Get Insured 24/7, LLC will then charge one-tenth of your outstanding balance on the first day of the month for each of the subsequent ten (10) months. Note there will be a $5.00 administration fee included in each of the ten (10) payment installments.

Policy Highlights
Review the Master Policy Here

Overview:

Consult applicable insurance policy and endorsements for specific terms, conditions and limits. This Professional Liability Insurance Policy (commonly known as Errors and Omissions, or E&O, Insurance) provides protection for your liability for wrongful acts from the performance of professional services for a client. Professional services include:

  • sale, attempted sale, or servicing of life, accident and health insurance and managed care organization contracts
  • indexed and fixed annuities (if purchased)
  • variable annuities and mutual funds by a registered representative (if purchased)
  • disability income insurance (if purchased)
  • incidental property & casualty insurance (if purchased)
  • services as Notary Public
  • financial planning activities in connection with these described services

Limits of Liability:

$1,000,000 each claim

$3,000,000 in the aggregate

Deductibles:

$500 Each Claim for Life, Accident, Health Insurance, LTC Products (that does not require a securities license)

$2,500 Each Claim for Indexed Annuities, Fixed Annuities (if purchased)

$2,500 Each Claim for Disability Income Insurance (if purchased)

$2,500 Each Claim for incidental Property & Casualty insurance placements (if purchased)

$5,000 Each Claim for Variable Annuities/Variable Insurance (that requires a securities license) and Mutual Funds (if purchased).

Eligibility for Coverage:

Insured must hold appropriate license(s) and favorably answer all qualifying questions on the application. Insured’s revenues from the sale and/or servicing of all life, health and financial products to be covered by this policy does not exceed $350,000 annually.

Additional Features:

  • Non-cancelable, claims made and reported policy
  • Retroactive coverage going back to first continuous professional liability policy
  • Coverage extended to a business entity owned by the insured in connection with professional services provided by the insured
    • Includes employees if acting on behalf of the insured
    • Spouse or domestic partner, estates, heirs, or legal representative of the insured
  • Ability to extend reporting period after termination of the policy
  • Advocacy legal defense in the event of a loss, provided by an internationally recognized law firm
Get Insured 24/7, LLC
"My experience purchasing E&O insurance from your website was exceptional. It was quick, easy and I was able to reduce my cost of insurance by 70%!! Unbelievable! Thank you guys!"
- Dan Ross, Founder and President of Med-Vision, LLC

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