CORNERSTONE FINANCIAL CONSULTANTS, LTD.

Direct Life Insurance Carriers

This includes establishments primarily engaged in initially underwriting (i.e., assuming the risk and assigning premiums) annuities and life insurance policies, disability income insurance policies, and accidental death and dismemberment insurance policies.

Insurance Agencies and Brokerages

Establishments in this category are primarly engaged in acting as agents (i.e., brokers) in selling annuities and insurance policies.