Welcome to the discounted E & O Program

We offer discounted Errors & Omissions Insurance, also known as professional liability, which protects against lawsuits arising out of the rendering or failure to render professional services. Many general liability policies contain exclusions for “professional services” and the errors and omissions coverage helps to fill that gap in coverage.

  • Fast – Easy online applications
  • Low Monthly Payment options
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  • Live Chat support
  • A.M. Best rated (A XV)
Group

Medicare & Final Expense Only
(Level C)

New Agent (Level D) Agent
(All Inclusive) (Level A)
Plus Variable Annuity & Mutual Funds
(Level B)

Policy Aggregate

Company A $321 $396 $456 $528 None
Company B

$405

$456 $491 $641

$50M

Company C

$469

$456 $551 $674

$50M

Company D

N/A

N/A $592 $695

$20M

Company E $554 $680

$15M

What is covered under each level?

Coverage Level A
  • Sale and Servicing of Life Insurance
  • Health Insurance
  • Long Term Care
  • Disability
  • Medicare Supplement/Advantage Insurance
  • Final Expense
  • Mortgage Life
  • Fixed and Indexed Annuities

Limit Selection:

Each Claim / Aggregate Per Agent – $1,000,000 / $1,000,000 – $456.00

Each Claim / Aggregate Per Agent – $1,000,000 / $2,000,000 – $497.00

Each Claim / Aggregate Per Agent – $1,000,000 / $3,000,000 – $501.00

Each Claim / Aggregate Per Agent – $2,000,000 / $2,000,000 – $539.00

Coverage Level B
  • Sale and Servicing of Life Insurance
  • Health Insurance
  • LTC
  • Disability
  • Medicare Supplement Advantage Insurance
  • Final Expense
  • Mortgage Life
  • Fixed and Variable Annuities
  • Mutual Funds and Variable Life

Limit Selection:

Each Claim / Aggregate Per Agent – $1,000,000 / $1,000,000 – $528.00

Each Claim / Aggregate Per Agent – $1,000,000 / $2,000,000 – $577.00

Each Claim / Aggregate Per Agent – $1,000,000 / $3,000,000 – $582.00

Each Claim / Aggregate Per Agent – $2,000,000 / $2,000,000 – $628.00

Coverage Level C
  • Sale and Servicing of Final Expense
  • Medicare Advantage/Supplement

Limit Selection:

Each Claim / Aggregate Per Agent – $1,000,000 / $1,000,000 – $321.00

Coverage Level D (New Agent)
  • Sale and Servicing of Life Insurance
  • Health Insurance
  • Long Term Care
  • Disability
  • Medicare Supplement/ Advantage Insurance
  • Final Expense
  • Mortgage Life
  • Fixed and Indexed Annuities

Limit Selection:

Each Claim / Aggregate Per Agent – $1,000,000 / $1,000,000 – $396.00

Click here for our discounted E&O Program

What does it cost?

First understand what the levels mean.

Level A is regular coverage

Level B is regular coverage plus mutual funds and variable products

Level C is coverage for simple issue products (Medicare Supplement Insurance and Medicare Advantage Plans)

Level D is regular coverage for new agents (licensed less than 24 months)

Annual Pricing
Limit Coverage Cost
1MM/1MM – Regular Coverage A $456
1MM/2MM – Regular Coverage A $497
1MM/3MM – Regular Coverage A $501
2MM/2MM – Regular Coverage A $539
1MM/1MM – Includes MF & Variable Products B $528
1MM/2MM – Includes MF & Variable Products B $577
1MM/3MM – Includes MF & Variable Products B $582
Monthly Pricing
Limit Coverage Cost Approx Down Approx Monthly
1MM/1MM A $456 $164 $32
1MM/2MM A $497 $171 $35
1MM/3MM A $501 $172 $35
2MM/2MM A $539 $179 $38
1MM/1MM B $528 $177 $37
1MM/2MM B $577 $185 $41
1MM/3MM B $582 $186 $41
2MM/2MM B $628 $194 $45
1MM/1MM C $321 $140 $22
1MM/1MM D $396 $154 $28
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We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

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For agent use only. Rates are subject to change. Certain exclusions, restrictions, and limitations may apply. Insurance coverage is from the applicable insurance company. Please consult the insurance specimen policy for coverage details and terms and conditions.