As an independent insurance agent, I understand that insurance can be a complicated purchase. You’re not buying bread or milk; you’re buying a promise of protection that could potentially make or break your financial well-being. How do you know that you’re making the right choices about coverage? Are you sure you’re getting the best possible value for your dollar? The options can seem bewildering. Here are seven reasons why working with an independent insurance agent benefits you:
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We Give You a Choice:
Independent agents represent many different insurance companies that offer a wide variety of coverage options and price points. On average, we sell for five to eight different insurance companies. There’s no need for you to accept one quote from one company, and there’s no need to spend time filling out many different online applications to get your own quote comparisons. With our connections and knowledge of the market, we can often find a better value for your insurance dollar than you might find searching on your own. We do the shopping; you do the saving. We find you the right blend of price, coverage, and service.
- We Are Licensed Experts:
As independent agents, we can explain the complexities of insurance in simple terms, helping you make smart decisions. We make a career out of assessing our customers’ insurance needs and matching them with the insurance carrier best equipped to meet those needs at a price the customer can afford. Think about it. While you might research wording for wills on the Internet, you’ll likely go to an attorney to ensure that the document is drawn up correctly. Why wouldn’t you seek the advice of a licensed insurance professional to be certain that your home, your auto, or your business is properly protected?
- We Are Personal Advisers:
We not only find you competitive pricing, but we also make sure you are adequately covered. Working with you face-to-face, we become your personal advisers, taking the time to listen to you and understand your individual needs. We know it’s not just about finding a price you can afford; it’s also about making certain you are appropriately covered so that you don’t end up insurance-poor if you do suffer a loss.
- We Are Your Advocate:
If you have a billing or claim concern or need to change your coverage, we can be your advocate, working with the insurance company on your behalf.
- We Are Right Around the Corner:
Independent agents are your neighbors. We share your interest in the community where you live and understand the benefits and challenges of living in your locale. We are often highly involved in the community, sponsoring youth sports teams, buying from your local businesses, supporting school organizations, and voicing opinions at the monthly Chamber of Commerce meeting. We are right around the corner, ready to help.
- We Offer One-Stop Shopping:
Independent agents can often meet all of your insurance needs with the companies we represent, providing auto, home, renter’s, and business coverage. Many offer life and health insurance as well.
- We Are Consultants for a Lifetime:
Independent agents periodically review your coverage. We are here to help you through all the changes in your life, whether you’re going from renting an apartment to buying a home, starting a business, getting married, renovating your home, adding a teen driver to your auto policy, or looking to cover that retirement condo.
Examples of How Our Services Can Benefit You:
Retirement Planning:
- As retirement specialists, we can help you find life insurance policies that provide financial security for your retirement. For example, an Indexed Universal Life (IUL) insurance policy offers potential cash value growth that can supplement your retirement income.
Medicare Insurance Options:
- We specialize in Medicare insurance options, helping you navigate the complexities of Medicare to find the best plan for your healthcare needs. For instance, if you’re transitioning to Medicare, we can find a plan that covers your medications, offers low copayments, and provides additional benefits.
Life Insurance:
- Life insurance is a crucial part of financial planning. Whether you need term life insurance for temporary coverage or whole life insurance for permanent protection, we can help you find the right policy. An IUL policy, for example, can provide both a death benefit and a cash value component that grows tax-deferred.
In conclusion, working with an independent insurance agent offers numerous benefits, from personalized service and expert advice to access to multiple carriers and lifelong support. If you’re interested in learning more about how we can help you with your insurance needs, don’t hesitate to contact us. We’re here to help you every step of the way.
