Why buy from an independent agent?

by Al Shiebel
in Insurance / Health Coverage (submitted 2010-06-17)

Have you ever had a car break down on you? Then you open the hood, look inside and still do not have a clue on what to do? Yet you poke and prod things in there that you think might help, get your hands dirty and still do not know what is going on.

That is the same feeling that many folks have when considering insurance services. They look online, read, get advice from their financially savvy unemployed brother in law and then they go for what they think it is best. All that without seeking help from a professional.

That is why; you should seek the advice of an independent insurance agent. Why independent you ask? An independent agent will be contracted with several carriers and does not have to make a quota by selling you their most profitable product.

Ask questions on their expertise. Agents are like attorneys who have lots of specialties, for example an agent who sells car protection may not be informed on health insurance and vice versa. Although many agents take time to educate themselves, do not take for granted that they are.

An insurance agent is a person who by law has to take at least 15 hours per year of continuing education courses to keep up with the industry. Three of those credits must be in ethics. An insurance agent should ask lots of questions and give you choices. If you feel pressured to make a decision right then and right there, my only advice is to run as hard to the opposite direction with your arms above your head while screaming "run away, run away".

When a person is purchasing insurance, they should know and feel that they have made a good decision, all their questions were answered and various options were carefully considered.
About the Author

Al Shiebel is a contributing author of Health Insurance in Georgia and associated with reputed Life Insurance Georgia. He has a thorough knowledge and experience on Life Insurance Georgia and has provided.