Wednesday, May 2, 2012

Independent Insurance Agents

Independent Insurance Agents Receive the convenience of the internet along with free consultation from a licensed agent. There are a lot of confusing insurance options out there that will leave you hassled, underinsured, spammed, and just plain upset. For decades, independent insurance agents have been offering their expertise and personalized service to insurance shoppers like you. Discover the reasons why so many consumers have bought insurance through an independent agent. Here are a few quick facts about working with an independent agent. Top Q&A’s on IA’s (Independent Agents) 1. Q: Does it cost more to shop with an IA? A: No, IA's shop for you among multiple insurance carriers. You will enjoy significant savings buying insurance through your IA. 2. Q: How will an IA help me compare multiple insurance rates? A: One of the most important perks of buying with an IA is their connection to several insurance companies for the ultimate comparison shopping experience. 3. Q: Will an IA know how to answer my insurance questions? A: IA’s are licensed insurance professionals. Their purpose is to provide personalized insurance consultation in response to your needs. 4. Q: What is the biggest difference between buying from an independent agent and buying online without help? A: Before you buy, talking with an IA is always a good idea. The major difference is the risk of not knowing the exact coverage you need for your specific situation. An IA will walk you through the various coverages, discounts, and savings available to you. 5. Q: Can I call an IA today? A: Sure! IA business hours vary depending on the individual IA. Once you talk with one, you will find out just why so many others have decided to utilize their wonderful service.

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1. Prohibit pre-existing condition exclusions for children in all new plans;

2. Temporary high-risk pool for Americans with pre-existing conditions;

3. Insurance companies no longer able to drop sick people;

4. Lower seniors prescription prices by beginning to close the donut hole;

5. Tax credits to small businesses covering employees;

6. Elimination of lifetime and annual benefit limits;
7. Children can stay on parents' coverage until age 26;

8. New plans must cover preventive and immunizations;

9. Consumers will have processes to appeal insurance plan decisions;

10. Rebates to enrollees from insurers with high administrative expenditures and public disclosure of the percent of premiums applied
to overhead costs.