When you’re in the market for life or health insurance, you have choices about how to buy a policy. One of those choices is working with a licensed, independent agent instead of buying directly from an insurer.
Independent insurance agents sell policies from multiple carriers. They can offer you more options and help you choose among them, saving you time and effort. And that’s just one of several benefits you can expect. Here are three more:
1. Free expertise. An independent insurance agent’s services don’t cost you anything. You’ll pay the same price for a policy whether you buy through an agent or directly from an insurance company. The insurer pays your agent—not you. But when you work with an agent, you have a professional on your side who isn’t partial to a single company.
2. Personalized help. Trying to choose a life or health insurance policy on your own can be confusing and overwhelming. Of all the options, which one would best meet your needs and fit your budget? Tell your independent agent what you need. Then let them do the research, help you apply and walk you through your choices.
3. Ongoing support. Independent agents are motivated to help you navigate insurance options and provide support even after you’ve purchased a policy. When your life changes, they can help you decide whether to keep your policy or consider other options. They can also help you understand your coverage and be your advocate during a challenging claim.
You don’t want to spend your free time shopping for insurance, so let someone else do the heavy lifting. Call or email anytime, even if you just have a question about how life or health coverage works.