Insurance developed for Insurance Agency Marketing Services producers


Our suite of products are designed to protect you as a life and health agent, an Insurance Agency Marketing Services producer and an individual—it’s comprehensive in every sense of the word.

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Errors and Omissions with Cyber Liability

As a life and health agent, you face a multitude of risks.

Errors & Omissions (E&O) Liability Insurance with fiduciary and cyber liability coverage is a critical piece of protection for you and your career. E&O covers certain legal fees, judgments or settlements resulting from claims and litigation brought against you for the services you provide.

Cyber Liability Insurance offers protection from the growing threat of cyber risks, such as privacy breaches, computer system disruptions, malware and more.

Not available in Michigan or New York.

Individual Life Agent E&O Insurance—$450 annually

Policy details:

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Key Components of E&O Insurance for Life and Health Agents

Our E&O with Cyber Liability Insurance offers:

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You are liable for the fiduciary duties you perform. For IMO-affiliated agents, ERISA and vicarious liability are included in your coverage.

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Lockton Affinity’s Life Agent’s E&O coverage for life and health agents automatically includes Cyber Liability with a limit of $250,000 and a $100,000 sublimit for Legal Forensics.


Lockton Affinity’s Life Agent’s E&O policy has individual limits of $1,000,000 per claim/$3,000,000 aggregate, rather than a group master policy with a shared aggregate limit. Having an individual aggregate limit means you don’t have to be concerned about someone else exhausting your funds in the event of a claim.


For professionals selling Life and Health and fixed annuity products, policies begin with $450 premiums and $0 deductible. For qualifying accounts, Series 6 Products and P&C Personal Lines coverage is also available for an added cost.

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Through Lockton Affinity Advisor, you can get a quote and purchase a Lockton Affinity Life Agent’s E&O and Cyber Liability policy in less than 10 minutes.

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Our representatives are knowledgeable about insurance and the needs of life and health agents. We will provide guidance throughout the process and ensure you get the exact coverage you need.


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Lockton Affinity is part of Lockton Companies, the world’s largest privately-held independent insurance broker, and our reputation in the industry is unparalleled.

When you partner with us, you can be assured you will receive:

We shop around for the right insurance carrier for our programs, ensuring you receive the most complete coverage at the right cost.

We will get you covered quickly and easily, so you can get back to your work. We handle claims efficiently, too.

We have a knowledgeable service team committed to making the insurance process easier for you. Whether you have a complex claim or a simple question, a real person will answer when you call.

Just like how you work hard for your clients, Lockton Affinity will work hard for you.

Contact Us

If you have any questions about Lockton Affinity’s Advisor Insurance Program, please call one of our knowledgeable Associates today or fill out our contact form.

(844) 406-5958
Phones are answered Monday through Friday, 7 AM to 5:30 PM (CST).