Established in 1960, The Marcus Agency, a division of One80 Intermediaries is a national life and health insurance brokerage general agency located in Massachusetts and Pennsylvania, led by a team with over 100 years of combined experience. Our team specializes in ‘impaired risk’ life insurance for customers with medical concerns, estate planning (including high net worth customers), business continuity planning and financial underwriting. We pride ourselves on our exceptional relationships with our clients and work with insurance agents, brokers, property and casualty agencies, financial planners, benefit planners and accountants.
A member of LIBRA Insurance Partners
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Life, Disability, Annuities and Long-term Care Overview
Long Term Care
Solutions
Contact Us
MA Office
978-443-4900 (Local)
800-443-4922 (Outside MA)
389 Boston Post Road
Sudbury, MA 01776-3015
click here for directions
PA Office
215-793-9440 (Local)
877-793-9440 (Outside PA)
580 Virginia Drive, Suite 320,
Fort Washington, PA 19034
click here for directions
Program Information
The target classes and typical risks we focus on for this program are:
- Life insurance for impaired risk customers
- Business continuity planning
- Estate planning
- High net worth estate planning
The highlighted features of this exclusive program include:
- Highly experienced team of in-house underwriters, led by a Registered Nurse, offers onsite clinical underwriting
- Access to the top impaired risk carriers
- Unprecedented expertise to in-house impaired risk underwriters
- State-of-the-art business processing center
- Wide range of Long Term Care solutions
- Access to over seven leading long term Care carriers and a wide range of products and programs to choose from
- In-house long term care specialists
- On-site sales assistance including workshops and seminars; customized training; and marketing support
The available coverages we have to offer for this program are:
- Term
- Return-of-Premium Term
- Universal Life
- Indexed UL
- Survivorship Life
- Whole Life
- Fixed Annuities
- Long Term Care
- Linked Benefits
- Disability Income
We offer a wide range of Long Term Care solutions:
Illustrations
Resources and Apps
We have available a list of resources and applications for your easy access:
Online Applications
- American General – Quick Ticket
- AppSnap:
- AppSnap Secure – click here
- AppSnap Total – click here
- Banner – AppAssist:
- MA office agents – click here
- PA office agents – click here
- Cincinnati Life
- Lincoln Financial
- Mutual of Omaha (United of Omaha)
- North American – Simple Submit
- Pacific Life
- Principal
- Protective – EZApp
- Prudential – PruFast Track
- SBLI – ZipApp
- VIVE:
- MA office agents – click here
- PA office agents – Vive is coming soon
- William Penn (NY) AppAssist
Tools & Resources
Impaired Risks
As your impaired risk specialists ─ The Marcus Agency, a division of One80 Intermediaries, offers unprecedented expertise in impaired risk underwriting, an expanded team of support personnel, and a highly efficient, state-of-the-art business processing center.
Our team of dedicated professionals includes our own highly experienced, in-house registered nurse (RN) and underwriters that are dedicated to making your job easy and profitable. In addition, The Marcus Agency has an association with a medical doctor for review of any complex medical cases. We have helped many agents find success in this difficult but lucrative market.
We also have a proprietary system through LifeMark Partners that allows us to shop your cases online with a number of very aggressive Impaired Risk carriers. This system gives us access to shop multiple markets in a quick, efficient and secure manner. Call The Marcus Agency today and let us write a new chapter in the history of your impaired risk clients.
Informal Inquiry and HIPAA
The following document is meant to be used for informal inquiries on impaired risk cases. Please note that informal inquiries should not be used on cases that will generate less than a $2,500.00 annual premium.
AppSnap
The Marcus Agency, a division of One80 Intermediaries presents AppSnap; our assisted sales program designed to give you a tailored approach to life insurance. Our portfolio consists of two models, choose from the options below to fit your needs.
With our AppSnap Secure program, you have already acquired the client and sold the coverage, but we complete the application for you. AppSnap Secure works with our full line of carriers to meet your client’s specific needs. One of our in-house professionals will work directly with your client to insure their application is fully completed in a timely and sensitive fashion. We complete the application over the phone and then offer a convenient way to obtain the client’s signature either via email or overnight mail to and from the client. You retain 93% of your normal commission.
Click Here to complete an AppSnap Secure drop ticket.
With AppSnap Total, you have already established a relationship with your client and are seeking assistance to complete the sales process. For product lines with which you do not wish to work alone, we have the expertise to handle the process from start to finish. We will work directly with your client to determine the needs as well as the appropriate carrier and plan. We will also complete the application for you. We co-sign the application and you still earn 50% of the normal commission.
Click Here to complete an AppSnap Total data form.