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My name is Elizabeth Llamas and I am a mother of 1. Besides being a mother, I am also an Insurance Agent for Farmers Insurance. I have been serving Southern California for over 5 years.

I welcome any questions any of you might have regarding any type of insurance. :)

Elizabeth Llamas
Farmers Insurance Agent
431 North A Street
Oxnard, Ca 93030
805-844-9447
ellamas@farmersagent.com
liz.llamas@hotmail.com
Lic #0G31697

Hello Ms. Llamas I have always wondered are Farmers agents captive or are they allowed to have outside business??

Hi Cornelius,

When the clients are not accepted through Farmers, then we have no other choice but to place them somewhere else. But the nice thing is that Farmers has acquired several insurance companies (Bristol West, Foremost, etc) that we can place our customers with.:)

Elizabeth Llamas

Hello again. I was thinking more on the Life side.

It would be the same thing with the life insurance. When Farmers doesn't approve them, then we would have to use an outside company

So your saying the Farmers agents can only use carriers approved by Farmers? When going outside do you have to use Farmers approved carriers or can you contract with anyone you wish and write with them?

Thanks..

Once Farmers declines the customer, we can place that customer where we want.

the insurance market made some seriouse damged on few markets. i wish u best of luck!




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Will an agent like yourself be able to provide a better rate than going online or directly to the insurance provider? I live in Indiana and have been looking at different health insurance plans mainly online but was wondering besides having a person to call, if an agent is able or knows more options than what the insurance companies web sites can sell me.

Nice to see this kind of thread. SO tell me what is the best insurance company in Florida where i can get my son a car insurance. Also tell me what would be the ways which i can adopt so that the premiums are not higher in future and i can get maximu coverage

Once Farmers declines the customer, we can place that customer where we want.

Do you ever present your clients the option of going to a Discount Provider (as a supplement for instance) if your client can't afford the insurance or get's declined due to pre-existing conditions etc.?

There are many insurance agents in our company who include us (we're a Discount Provider, not insurance) in their portfolio to present to their clients. They already have prospects coming in and they just have one more service to offer them. I think it's good to have alternatives so a client never goes home with nothing. :)

Feel free to PM if you have any questions or would like more information.

Midwest the post is about situations of impaired risk for life Insurance.

Thanks Cornelius for letting me know :)

Hi,
Ms. Llamas I want to make my life insurance, i need some help.
I don't know much about Life insurance. Will you help me in details ......
I really need the full information...

I was looking for same information. Thanks for sharing!

Nice to see this kind of thread. SO tell me what is the best insurance company in Florida where i can get my son a car insurance. Also tell me what would be the ways which i can adopt so that the premiums are not higher in future and i can get maximu coverage


Hello!

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