Insurance Solutions for Financial Advisors

Add value to every client relationship with our revolutionary approach to insurance analysis and sourcing

At Blue Herring, we believe that solving insurance challenges should be easy, transparent, and based on data you can trust. That’s why we’re setting a new standard for insurance outcomes and experiences that will delight you and your clients.

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Savings for a high earner other brokers had labeled “uninsurable”

Saved in premiums for one client with just two weeks of work

The benefit at a 60% savings through data-based due diligence

Our products and services

We believe in a team approach to providing the best insurance for your clients. Our expertise allows us to specialize in life insurance, disability insurance, long term care insurance, and annuities.

Survivorship Life Insurance

What you don’t know about the insurance industry can hurt your clients’ financial future

Bias. Bait and switch. B.S. Traditional insurance sales is full of it — and that leads to higher premiums, incomplete coverage, poor performance, and policies that just don’t make sense for your clients. Blue Herring is out to change all that. Here’s how.

Our Process

Independent underwriting gives you the policy you need at a price you can trust.

Step 1

Collaboration

We work as a team with you and your client’s trusted advisors to analyze new and existing policy needs and discuss ways to tackle any challenges.

Step 2

Easy on-boarding

Your client authorizes Blue Herring to collect the data needed for due diligence. We make it easy with our independent underwriting model, including one universally-accepted medical exam (when necessary).

Step 3

Due diligence

We review applicable health, financial, and existing policy data to uncover the best solutions for your client.

Step 4

Unbiased recommendations

We provide transparent results delivered in easy-to-understand language so you can recommend the solutions that are truly in your client’s best interests.

Step 5

Implementation

After your client and their team agrees on the plan, we do the legwork to put the recommended solutions in place.

Step 6

Ongoing support

Unlike other brokers, we provide proactive monitoring and analysis to ensure that the plan stays on track and competitive.

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Why Blue Herring?

Expertise

We’re insurance nerds providing expert advice and service backed by real data.

Ease

We make insurance easy with one online application, one exam, and straightforward solutions you can trust.

Effectiveness

We force multiple carriers to compete to drive up approval rates and drive down premiums.

Frequently asked questions.

Learn more about how Blue Herring is revolutionizing insurance advising and procurement.

What types of insurance do you sell?

Life, disability, long-term care insurance, and annuities. We do this for businesses, individuals, and trust-owned policies. This includes key person insurance, executive insurance, required business insurance, personal insurance, life insurance, individual disability insurance, international life insurance, insurance for trusts, irrevocable life insurance trust, survivorship life insurance, premium financing insurance, LTC, and Annuities.

How much does your insurance cost?

Premium prices depend on a variety of factors, including the type of insurance being purchased, the coverage needed, and the health score of the covered individual. Our independent underwriting model routinely saves 38% or more over traditional brokerage approaches for the same types of policies.

How long does your process take?

From intake to final purchase, the process can take anywhere from one to three months. The timeframe depends on the complexity of the insurance products needed, as well as your own time constraints. If you need insurance right away, Blue Herring can help you get a temporary insurance policy that will cover you while we complete the process of finding the best long-term coverage.

How are you different from other insurance brokers?

Our independent underwriting model provides you with complete transparency into the insurance purchasing process, so you can choose the plans that are right for you, at low, accurate prices. Unlike other brokers, we never commit our consumers to a plan before submitting all health data necessary for insurance companies to calculate health scores and provide accurate pricing. This means you can have confidence that you’re getting unbiased recommendations that are in your best interest.

Do you review and manage existing policies?

Yes. Making sure that your clients’ existing policies are right for them, and monitoring their performance to ensure that they stay that way, is a huge part of what we do. If you’re not 100% sure about one or more policies in place for a client, contact us to start the conversation.

How do you make money?

Our business model is commission-based, just like other insurance brokers you’ve dealt with. But the similarities stop there. Rather than taking a short-term approach focused on earning the highest possible commissions for placing a policy regardless of whether it’s a good fit, we know that long-term success is based on building trust and providing authentic value. When we founded Blue Herring, we made a bet with ourselves that we could build a successful business by being honest, transparent, and doing 20 times the homework the normal agent puts in. We knew that doing the right thing would result in fewer commissions at first because we were driving premiums down and often providing advice that didn’t lead to a commission. It turned out to be a great bet, and we’ve grown exponentially in just a few years entirely through referral business from satisfied financial advisors.

Insurance solved for financial advisors