• Life Insurance
• Other Services
• Frequently Asked Questions

My name is Mark Garner, the Insurance Coordinator for Commercial Bank Insurance Services. I would like to welcome you to our web site. Commercial Bank Insurance Services has been a place people have turned to with confidence for all of their insurance needs. With unparalleled carrier representation offering the widest array of competitive products and services to meet our clients needs, we have become the agency of choice.

Whether life, health, business, or personal, we have a broad array of carrier plans and options which makes Commercial Bank Insurance Services a good insurance value.
We at Commercial Bank are proud of our tradition but we're also working hard to build a strong foundation for the future. Our internet site is intended to be informative, helpful, and to simplify your insurance review process. Whether you are seeking product and coverage explanations, we strive to be thorough and professional. We are constantly working to find innovative ways to assist our current and potential clients.

Thank you for visiting us. We look forward to serving you soon.

Life Insurance

Our term life insurance programs are the most innovative on the market. Level premium plans guarantee rates for 5, 10, 15, 20 and 30 year periods at extremely low costs! Term life insurance plans are guaranteed renewable and guaranteed convertible. Smokers can even qualify for preferred rates! Husbands and wives or Business Partners applying together save even more!
Commercial Bank Insurance Services represent an unparalleled number of companies offering our clients unlimited choices. Our rating software is state of the art which constantly updates all policy and rating changes maximizing our clients purchasing power. Our intent is to assist clients in their development of family protection plans and assure competitive pricing by industry leaders who are financially stable and committed to servicing the products they sell.
Term Life Insurance is more affordable than ever. However, the choices are more involved and less clear than in the past. Let us break down the options and detail the best value for your insurance dollar. We'll do the homework for you...then you choose the best plan for your specific needs.

The best service and the best pricing...guaranteed!

Other Services

Personal (Home/Auto/Related Services)

For personal insurance programs we recognize that market price is the primary concern when purchasing insurance. However, when all is said and done, a major component in any insurance program is service. We know that a successful mix of both is what builds client relationships that last for years. Our automated systems allow us to determine the most competitive program from a large number of national and regional companies with quality products. This advanced technology allows us to serve our clients with quick and accurate information necessary for proper decision making.

Commercial

Researching proper insurance protection at an affordable premium is an effort for most businesses. We are keenly aware of the confusion that the ever-changing commercial market creates. Working with leading insurance companies gives our commercial team an outstanding selection of general and specialized insurance coverage.

We work together, conferring constantly, so that every one stays abreast of the latest industry developments. Innovative insurance ideas are a part of our philosophy and no matter what your needs, we'll find a better, more economical way of providing the coverage. Our experience has taken us into virtually every kind of commercial situation including: contractors, wholesale and manufacturing plants, churches, supermarkets, hotels and motels, restaurants, retail businesses and real estate management firms.

Frequently Asked Questions

What types of policies are included in the proposals presented?
All policies are term life polices. These are the most affordable in the industry since they measure your pure mortality risk, along with an administrative charge, for the period of time you have selected. Programs are typically illustrated on a 10, 15, 20, and 30-year basis. Many companies offer guaranteed and non-guaranteed rates for their level term plans.
I have never heard of the company recommended. Should I still consider their plan?
All carriers that we represent are top quality carriers. These companies are considered to have high ratings, which signify their strong ability to meet the ongoing obligations to policyholders. Though you may not be familiar with a company's name, we have the greatest confidence in the carriers we recommend and are proud to represent them.
Is price the only thing I should be concerned with?
With term life insurance, it is true that the products are somewhat basic. There is no cash value, dividends or loans to be concerned with. Finding a competitively priced guaranteed level plan from a carrier with strong financial ratings should be the focus of your efforts. Remember when comparing an older policy to a new one, the number of years the premium is guaranteed into the future represents an enhancement of value.
What is the process for applying?
There are just a few simple steps to follow:
1. Complete the life insurance request form now online or call us and we'll even take the information over the phone. If you received a proposal by mail, e-mail, or fax, you can return your request form in the same manner.
2. We will send you your application for signature and dating. Return the application to us ASAP and a no cost medical exam will be ordered at your convenience.
3. All paperwork, medical results and related data will be forwarded to the selected insurance company. Once approved the policy will be mailed to you for your review and acceptance. Typical underwriting time is approximately 4 weeks, though this can vary depending on the scheduling of your paramedical exam and medical history.
4. During the underwriting process, the selected insurance company will determine your eligibility based on a variety of personal attributes include: age, habits, family history, health, driving records, height and weight, life style, and tobacco usage. Final ratings generally fall into three categories: Preferred Plus, Preferred, and Standard.
Will I always receive the price quoted from the carrier I apply to?
No. Each company has certain underwriting guidelines that you must meet to qualify. They are similar with most companies, but we have found a few to be more flexible than others. Areas they review include: medical history, height, weight, cholesterol, driving record, family history of heart disease/cancer, hazardous sports, etc. If you do not receive the rate quoted, the company will generally offer an alternative. You may accept or decline and there is no cost to you should you decide to decline.
Should I cancel my current coverage when I apply to one of these companies?
NO! Coverage is not in force until approved by the carrier selected. You should not cancel your existing policy until you receive our policy and comply with any requirements outstanding, such as payment, delivery receipt, etc. Even when using the conditional receipt, current coverage should not be canceled until the terms noted above are met. A conditional receipt is an offer by a carrier to extend "conditional" coverage if the terms of the receipt are met. Review these terms carefully since they vary from company to company and limit the situations the insurance would be applicable to. A conditional receipt is typically used by those who have no coverage and allows them to place coverage in force, conditionally, based upon the terms of the receipt.

INSURANCE AND INVESTMENT PRODUCTS ARE NOT FDIC INSURED, ARE NOT A BANK DEPOSIT, ARE NOT GUARANTEED BY THE BANK OR ANY FEDERAL GOVERNMENT AGENCY AND MAY GO DOWN IN VALUE.