In today’s internet savvy world, some people think that going online for a policy is the way to go. But be careful, when you purchase your policy online without an agent, you may be missing out on some very important things.
Working with an independent insurance agent is one of the best ways to find the perfect insurance policy for your loved ones. There is a lot of confusion surrounding the benefits of using an independent insurance agent. These independent insurance agents are free to use and will save you both time and money on the life insurance process.
Below are the reasons why you should choose an independent insurance agent:
They have access to multiple insurance companies
An independent agent represents multiple insurance companies each offering a wide variety of coverage options and prices. This variety allows you to get quotes from multiple companies without having to personally fill out multiple forms. It can also save you money, as independent agents can shop your insurance for you to make sure you are getting the best coverage for your money.
They are personal advisers
Agents not only find you competitive pricing, they make sure you are adequately covered. Working with you face-to-face, your agent becomes your personal adviser, taking the time to listen to you and understand your individual needs. They know it is not just about finding a price you can afford; it is also about making certain you are appropriately covered so that you don’t end up insurance-poor if you do suffer a loss.
They help with claims
If you have an insurance claim, this type of agent will most likely help you with the process. Since they do not work for a particular insurance company, they do not have to go by the strict protocol that company agents do. Even though the insurance company will most likely send in adjuster to look at your loss, you have an agent that will be working for you. If you have a trained professional working for you, instead of the insurance company, you will get a fair settlement that puts you back where you were prior to the loss.
They will periodically review your coverage needs
Independent insurance agents will take the time to help you determine your insurance needs. They are looking for the best value for you. They can regularly review your coverage and determine whether your needs have changed or whether you qualify for certain types of discounts that big insurers provide. Insurance adviser takes the time to help you understand the fine print.
They are licensed experts
Independents can explain the complexities of insurance in simple terms, helping you make smart decisions. They make a career out of assessing their customers’ insurance needs and matching them with the insurance carrier best equipped to meet those needs at a price the customer can afford.
Their loyalty lies with the customer
They are committed to making the customer happy. Their livelihood depends on getting the customer the best price and providing the best customer service. They have no parent company they have to sell policies for, so if your premium goes up after a year, they can run rates for you with other carriers to find you a better price.
They offer unbiased expertise
Insurance buyers have access to a great deal of experience and expertise in the form of insurance agents. These experts have the utmost interest in helping you understand how to protect your family, pets, and property in the face of an unexpected disaster.