Your clients need term life insurance at the exact moments you see them: a mortgage closing, a new baby, a business loan, a divorce decree, a retirement plan with a gap in it. Nectar gives you a way to help without becoming an insurance agent yourself.
What your client gets
- A price in two minutes, with approval odds and the expected decision time shown before they apply.
- No medical exam for most healthy applicants; many decisions the same day.
- A plan that shows what the coverage does: the house, years of income, each child, final expenses.
- A licensed agent, Henry Klein, on every application. We never call unless they ask.
- Policies issued by partner insurers rated A or better by A.M. Best and serviced by Nectar.
Nothing is submitted to an insurer until your client says so, and we do not sell or share their information.
How to refer
Send your client the calculator link below. Nothing else is needed; there is no form for you and no handoff call. When the quote is saved we know it came from you, and you can ask us at any time how a referral is going (with your client's permission).
Your tracked link: https://nectarinsure.com/nectar-lead-form.html?source=partner
Replace partner with the name we agreed on, or write to henry@nectarinsure.com and we will send you a short link and a one-line description you can paste into emails and closing packets.
See what Nectar Term would cost you
Two minutes to a price, with your approval odds up front. No calls unless you ask.
What we can do for your clients fast
| Situation | What usually happens |
|---|---|
| Closing in two weeks, lender wants coverage in place | Same-day decision for healthy applicants under 60; policy documents follow by email |
| SBA or business loan requiring life insurance on the owner | Coverage assigned to the lender as collateral; we handle the assignment form |
| Divorce decree requiring coverage for support | Policy with the ex-spouse or children as beneficiaries, with a copy for the attorney |
| Client declined elsewhere | Approval odds shown before applying; placement with the issuing partner that rates the condition best |
Compensation
Nectar does not pay referral fees to unlicensed partners; state insurance law prohibits it. What you get is a client who was helped quickly and honestly, and a partner who sends business back when a client needs a loan officer, a realtor or a planner.
Contact
Henry Klein, licensed life insurance agent Nectar Financial · henry@nectarinsure.com