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ABOUT US
Our History
Premium Value Life Insurance Services was founded in 1998 and has grown into a national business serving over 20,000 consumers and growing everyday. Brian J. Bibb is the founder and president. This forward thinking and client-centered company was founded on the premise that most people do not have the proper facts regarding life insurance before they buy and this causes them to pay way too much for a product that is actually very inexpensive when you remove all the unnecessary expenses that most life insurance companies like to charge. In many cases consumers can actually profit from their life insurance without incurring any excessive cost.
After having 3 successful years as a life insurance agent something happened that caused me to alter my views and I decided that there was a much better way to serve consumers in the life insurance market. (It took me 3 years to realize the poor deal most consumers were getting compared to what was available to them).
Like most salesman I was heavily biased towards what I was selling and I believed that the commissions I was earning were totally justified because I was bringing value to my clients. Like most I was a sales-centered professional.
That all changed when I decided to look into purchasing a new life insurance policy for myself. I was very familiar with most of the highly rated companies and even though I didn't really think I would buy from anyone I didn't represent I wanted to see what was out there. Mainly, I was just curious to see how good a deal I could get.
I looked online and spoke to many companies about buying directly from them and what I found out was life changing for me. I will admit that most of the "low-rate" policies sold online amounted to nothing once I took a closer look but I did discover what companies truly offered the most value for the best prices.
These companies could provide the same quality policies and service that I could but they were doing it for half the cost to consumers or more. The companies were highly rated, the policies were solid and contained everything a good policy does, and the rates were the best available. They truly operated with the client's best interest in mind and placed agent commissions and the company bottom line secondary. They realized that by focusing on this their bottom line actually improves even more.
To make a long story short, I realized that my clients were not getting the best value they could and a big part of that was because the commissions I was earning were being paid by them, and I was working for what is considered to be the best insurer in the business. I asked myself, "If I truly have my clients' best interests at heart then why am I selling clients policies that I wouldn't buy for myself?" The answer to that question is what gave me the idea to found a truly client-centered business and truly be a client-centered professional.
I have to tell you that I was told many times that this would not work and that my success would be very limited at best. Many times I heard "This is the way it's always been done and you shouldn't try to reinvent the wheel. Besides, you're making a lot of commission." Well, I know providing good service and good value never fails regardless of the business you are in. That has proven to be true with Premium Value Life Insurance Services because providing Premium Value is exactly what we do and the proof lies with the new customers we have everyday. To our knowledge we are the only successful firm dealing exclusively with life insurance on a fee-only basis.
Our Clients
We serve all individuals and businesses that have a need for life insurance. Common clients are:
Newly weds, home buyers, new parents, single clients, divorcees, estate planning clients, key man business clients, buy-sell, split-dollar, deferred compensation, mortgage protection clients, charitable planning clients, retirement planning clients, etc.
Our advice has unmatched value to anyone requiring the services of a life insurance company, including annuities.
Our Mission
We believe strongly in life insurance. What separates us from other businesses helping consumers buy life insurance is that we don't believe the traditional way of promoting life insurance works in the consumers' best interest. Even buying online does not provide the value available to consumers. Our forward-thinking and client-centered focus is what allows us to deliver unmatched value to clients and eliminate any and all conflicts of interest. We believe very few life insurance companies charge only what is necessary to properly insure their clients and make a reasonable profit so they can fulfill there obligations to their customers at all times. It is our mission to promote the unmatched value these companies offer and to be a resource for consumers so they can spend the least amount of money possible, stay properly insured, get the highest value available in the market, and even make money with their purchase if possible. We will always strive to connect life insurance consumers with the companies that demonstrate they are client-centered and back it up with their actions.
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