The internet has made shopping for insurance easier. Instead of driving around town to meet with an agent, you can compare rates, benefits, and apply online. Some insurance companies even let you apply right from their website.
Does it still make sense to have an agent help you choose a plan? You bet.
Agents are insurance experts. Itýs their job to help you shop plans from leading carriers so you can be confident youýve found the best rates and benefits for you.
4 Reasons To Work With An Insurance Agent
When you consider all the benefits, working with an agent just makes good sense.
Agents guide you through the process. Buying an insurance policy can be complicated. An agent walks you through each step of the process and helps you make sense of all the "insurance-talk".
Agents offer you choice. Your agent has a portfolio of plans to choose from, and will know which policy will protect you the best.
Agents troubleshoot mistakes. A mistake on your application can cause a company to raise your rates or even reject your application. Your agent will help you fill out your application correctly so you get the rates you deserve.
It's free. This is the best part about getting insurance through an agent. Agents collect payment from the companies they represent. So you get all the advice you want, absolutely free.
As professional agents, we're happy to help you find the best plan. You can compare popular plans on our website, too. Get started now with your free online quotes.
http://www.selectinsuranceteam.com/selectinsuranceblog.html
Showing posts with label affordable health insurance. Show all posts
Showing posts with label affordable health insurance. Show all posts
Wednesday, July 13, 2011
Why You Should Buy Your Own Health Insurance Policy
For years, Americans expected their health insurance to be provided by their employers. Health coverage came standard with most jobs, and many people never worried about paying their doctor and hospital bills.
Those days are gone. Today, the rising cost of healthcare means that most companies can't afford to offer coverage. And now more and more people are looking at individual health insurance.
Individual Health Makes More Sense
Many people think that individual health coverage is more expensive that group health coverage. And many people think it's hard to find individual coverage that offers comprehensive health protection.
The reality is that individual health insurance offers several advantages over group health insurance. Sure, it'd be nice if your boss paid ever last dime of your health premium — but that's getting rarer and rarer. Employers keep shifting more costs onto their employee's shoulders. For many American workers, every few months means a bigger chunk of their paycheck going to pay for their “employer-sponsored” insurance policy. And many workers are finding that these insurance policies leave plenty to be desired.
The Advantages Of Having Your Own Health Policy
There are several advantages to owning your own health policy.
The right coverage for you. With group coverage, everyone gets stuffed into the same policy. You end up paying for benefits you'll never use… and your own unique healthcare needs often get overlooked. In an individual policy, you get health coverage that's tailored for you.
Coverage you can keep. Leave a job, and you leave behind your employer-sponsored coverage. But with an individual policy, you can go wherever your career path takes you — and your health insurance comes with you.
You are only responsible for yourself. In a group policy, the cost of healthcare is spread out among everyone. That means you end up paying for everyone else's health choices. With individual coverage, you only pay for your health.
For many people, individual health insurance makes more sense. And for less than you think, you can get a comprehensive health insurance plan designed to fit your needs.
Want to learn more? Get free quotes and compare plans online. In less than a minute, you can see for yourself which plans make the most sense for you.
Those days are gone. Today, the rising cost of healthcare means that most companies can't afford to offer coverage. And now more and more people are looking at individual health insurance.
Individual Health Makes More Sense
Many people think that individual health coverage is more expensive that group health coverage. And many people think it's hard to find individual coverage that offers comprehensive health protection.
The reality is that individual health insurance offers several advantages over group health insurance. Sure, it'd be nice if your boss paid ever last dime of your health premium — but that's getting rarer and rarer. Employers keep shifting more costs onto their employee's shoulders. For many American workers, every few months means a bigger chunk of their paycheck going to pay for their “employer-sponsored” insurance policy. And many workers are finding that these insurance policies leave plenty to be desired.
The Advantages Of Having Your Own Health Policy
There are several advantages to owning your own health policy.
The right coverage for you. With group coverage, everyone gets stuffed into the same policy. You end up paying for benefits you'll never use… and your own unique healthcare needs often get overlooked. In an individual policy, you get health coverage that's tailored for you.
Coverage you can keep. Leave a job, and you leave behind your employer-sponsored coverage. But with an individual policy, you can go wherever your career path takes you — and your health insurance comes with you.
You are only responsible for yourself. In a group policy, the cost of healthcare is spread out among everyone. That means you end up paying for everyone else's health choices. With individual coverage, you only pay for your health.
For many people, individual health insurance makes more sense. And for less than you think, you can get a comprehensive health insurance plan designed to fit your needs.
Want to learn more? Get free quotes and compare plans online. In less than a minute, you can see for yourself which plans make the most sense for you.
Monday, July 11, 2011
Secret Health Insurance tax deductions for your Small Business
For those who are self-employed or own a small business, there is a Federal tax deduction for your health insurance. There is also a refundable tax credit for those who are self-employed in Missouri. Contact your CPA for the details or call us at 1-855-GET-SELECT for more money-saving tips..
How Can I Find Affordable Health Insurance in Missouri?
So you need affordable health insurance in Missouri? Luckily for you, we have made a sophisticated tool to assist with your search. With it, you can compare different health insurance plans to find the best price and coverage for you. Simply CLICK HERE to receive your free comparison of affordable health insurance in Missouri or Call us for FREE at 1-855-GET-SELECT Ext 101. Yep, it’s that easy.
Sunday, July 10, 2011
An insurance broker can help you save cash!
We all like having to pay our monthly insurance fees, right? We simply can't wait until those payments start emptying our accounts like clockwork soon after payday, right? I am certain that you will agree that those are two of the silliest assertions you've heard in a long time!
Then why, if paying our premiums leaves such a terrible taste in our mouths, do we accept the very first policy we can get our hands on? Why don't we do a bit of homework until we discover the most cost effective insurance policies with the best cover? Won't paying our insurance policies month after month then be a bit less agonizing?
One of the best ways to discover insurance plans is by making use of an insurance broker.
Most "normal" people don't possess extensive knowledge of the insurance industry.
If the insurance company suggests that I take advantage of policy A, and that I must also select policy B, C, and D in addition to that (to receive the best coverage of course!) it's almost guaranteed that the average buyer will believe them and that I will most likely end up paying 5 times more than necessary.
An insurance broker in contrast, makes a living off insurance! Selling insurance policies is their "8 hours a day 5 days a week" job and that makes them experts in the field!
The good thing about having a broker is that they will not be charging you anything more - you might in fact end up saving cash! Yes, of course these brokers have to get paid for their products and services, but this is usually in a form of commission from the insurance companies. These commissions already form part of your month-to-month premium, regardless of whether you use a broker or not. Yes it's true! If client An opts for policy A from company A without using a broker, client A will be paying the same for this specific policy than client B would be when making use of a broker.
Another positive point about using the expert services of an insurance broker is that they do not work for a particular insurance provider (don't confuse an insurance broker with an insurance agent like a state farm, american family, farmers, shelter, or allstate). For this reason your broker will be able to provide you with numerous quotations and choices from various insurance agencies. They will also know which policies and companies to steer away from.
Having access to an insurance broker is almost like having your own insurance personal assistant. You can settle back and relax while they handle everything - from the first quote to the actual pay-out of a claim following an accident!
Then why, if paying our premiums leaves such a terrible taste in our mouths, do we accept the very first policy we can get our hands on? Why don't we do a bit of homework until we discover the most cost effective insurance policies with the best cover? Won't paying our insurance policies month after month then be a bit less agonizing?
One of the best ways to discover insurance plans is by making use of an insurance broker.
Most "normal" people don't possess extensive knowledge of the insurance industry.
If the insurance company suggests that I take advantage of policy A, and that I must also select policy B, C, and D in addition to that (to receive the best coverage of course!) it's almost guaranteed that the average buyer will believe them and that I will most likely end up paying 5 times more than necessary.
An insurance broker in contrast, makes a living off insurance! Selling insurance policies is their "8 hours a day 5 days a week" job and that makes them experts in the field!
The good thing about having a broker is that they will not be charging you anything more - you might in fact end up saving cash! Yes, of course these brokers have to get paid for their products and services, but this is usually in a form of commission from the insurance companies. These commissions already form part of your month-to-month premium, regardless of whether you use a broker or not. Yes it's true! If client An opts for policy A from company A without using a broker, client A will be paying the same for this specific policy than client B would be when making use of a broker.
Another positive point about using the expert services of an insurance broker is that they do not work for a particular insurance provider (don't confuse an insurance broker with an insurance agent like a state farm, american family, farmers, shelter, or allstate). For this reason your broker will be able to provide you with numerous quotations and choices from various insurance agencies. They will also know which policies and companies to steer away from.
Having access to an insurance broker is almost like having your own insurance personal assistant. You can settle back and relax while they handle everything - from the first quote to the actual pay-out of a claim following an accident!
Saturday, July 9, 2011
3 Health Insurance Mistakes to Avoid
Whether you're perusing your employer's open-season packet or weighing your options after getting a pink slip, you may be facing some critical decisions about health coverage. Avoid these three common pitfalls.
Focusing on premiums alone.
A higher-premium policy with low co-payments could be a better deal than a lower-premium policy. For example, if your doctor is out of network, how much will you pay for each visit? And how many of the medications you take are brand-name drugs? Many insurers are now charging coinsurance rather than fixed co-pays for generic, brand-name and specialty drugs. Your cost for a specialty drug could be as high as 38% of the cost of the medication. So if you take expensive medicines, you may end up paying hundreds of dollars more a year. Your best bet, if you can find it, may be a policy that still charges co-pays for out-of-network visits and prescription drugs.
Skimping on coverage limits.
One of the costliest mistakes you can make is to buy a policy with inadequate coverage. These policies may look attractive because they have low premiums and deductibles. But a maximum benefit of as little as $50,000 to $100,000 per accident or illness could leave you with tens of thousands of dollars in out-of-pocket expenses. Also beware of policies with long lists of exclusions and low dollar limits for each type of procedure.
A better way to lower your premiums is to buy a high-deductible policy with a coverage limit of at least $1 million ($3 million or $5 million would be even better). If you buy a policy with a deductible of at least $1,150 for single coverage or $2,300 for family coverage in 2009, you can also make tax-deductible contributions to a health savings account and use the money tax-free for medical expenses in any year.
Ignoring alternatives to COBRA.
If you lose your job, you may sign up for coverage under COBRA, the federal law that lets you keep health insurance under your former employer's plan for up to 18 months. The economic-stimulus plan provides a 65% subsidy for COBRA premiums for up to nine months for people who are laid off between September 1, 2008, and December 31, 2009. But after the subsidy ends, you'll pay full freight. The average employer policy costs $4,700 a year for individuals and $12,600 for families, according to the Kaiser Family Foundation.
If you have health issues, COBRA may still be your best option. But if you're healthy, you may find a better deal on your own. Get price quotes at www.selectinsuranceteam.com or click here to check out Assurant's Affordable Health access Plans
For more important insurance information, follow us on Twitter (Selectbrokers)
Steve Ludwig
1-855-GET-SELECT (438-7353) Ext 1
Focusing on premiums alone.
A higher-premium policy with low co-payments could be a better deal than a lower-premium policy. For example, if your doctor is out of network, how much will you pay for each visit? And how many of the medications you take are brand-name drugs? Many insurers are now charging coinsurance rather than fixed co-pays for generic, brand-name and specialty drugs. Your cost for a specialty drug could be as high as 38% of the cost of the medication. So if you take expensive medicines, you may end up paying hundreds of dollars more a year. Your best bet, if you can find it, may be a policy that still charges co-pays for out-of-network visits and prescription drugs.
Skimping on coverage limits.
One of the costliest mistakes you can make is to buy a policy with inadequate coverage. These policies may look attractive because they have low premiums and deductibles. But a maximum benefit of as little as $50,000 to $100,000 per accident or illness could leave you with tens of thousands of dollars in out-of-pocket expenses. Also beware of policies with long lists of exclusions and low dollar limits for each type of procedure.
A better way to lower your premiums is to buy a high-deductible policy with a coverage limit of at least $1 million ($3 million or $5 million would be even better). If you buy a policy with a deductible of at least $1,150 for single coverage or $2,300 for family coverage in 2009, you can also make tax-deductible contributions to a health savings account and use the money tax-free for medical expenses in any year.
Ignoring alternatives to COBRA.
If you lose your job, you may sign up for coverage under COBRA, the federal law that lets you keep health insurance under your former employer's plan for up to 18 months. The economic-stimulus plan provides a 65% subsidy for COBRA premiums for up to nine months for people who are laid off between September 1, 2008, and December 31, 2009. But after the subsidy ends, you'll pay full freight. The average employer policy costs $4,700 a year for individuals and $12,600 for families, according to the Kaiser Family Foundation.
If you have health issues, COBRA may still be your best option. But if you're healthy, you may find a better deal on your own. Get price quotes at www.selectinsuranceteam.com or click here to check out Assurant's Affordable Health access Plans
For more important insurance information, follow us on Twitter (Selectbrokers)
Steve Ludwig
1-855-GET-SELECT (438-7353) Ext 1
Thursday, July 7, 2011
Family Health Insurance Quotes - Family health insurance
A Family health insurance quote is the same as an individual health insurance quote. When people think of looking for insurance not only for themselves but for their entire family, they may not think of individual health insurance. But not only is individual health insurance for the individual, it can be for the family health insurance needs as well. Most individual health insurance carriers (family health insurance) have a plans for families. These family plans have advantages over placing each member of the family on a separate individual policy, by placing everyone on one plan together a significant discount in price is provided.. In some cases the maximum out of pocket is lower, or the deductible only has to be met by two members of the family or just one. There is also the advantage of a single bill and one policy. Often an insurance broker is both knowledgeable experienced with individual health insurance companies and policies. Our insurance brokers deal with not only family health insurance quotes, but individuals and can help you and your family find effective and economical family health insurance. Click HERE for a FREE quote!
Affordable Self Employed Health Insurance | Self employed health insurance quotes
Self Employed health insurance shoppers are small business owners whom are often in need of individual health insurance specially designed to cover you 24 hours so that you are covered while working as a self employed person of independent contractor. When you are self employed you can't rely on your company to supply your health insurance care needs, you are the company. As such you need to find affordable self employed health insurance. This is by no means difficult if you know what to look for and watch out for, there are many companies who supply self employed health insurance plans for the individual small business owner. The trick is to find a reputable company who can supply a policy which fits your needs but is still affordable. When you submit your quote request with our system it is immediately reviewed by a live licensed health insurance broker who specializes in assisting the self employed in finding coverage. Our health insurance brokers have assisted in thousands of policies and have specialized in helping the self employed community find quality cheap health insurance for over a decade. Once you submit you quote to us, we will review all the plans available in your area and only send you the plans that best meet your needs as a small business owner and have the most competative rates in your area. This is all done within a few minutes of when you submit your request for a online health insurance quote. To begin simply click here.
Self Employed Health Insurance TIP: Many people think by going direct to a carrier they can get cheaper health insurance, but in reality health insurance brokers can help you access preferred health insurance rates as well as plans from many companies at once and as a independent party they are always wanting to gain you access to the cheapest health insurance quotes available.
Self Employed Health Insurance TIP: Many people think by going direct to a carrier they can get cheaper health insurance, but in reality health insurance brokers can help you access preferred health insurance rates as well as plans from many companies at once and as a independent party they are always wanting to gain you access to the cheapest health insurance quotes available.
Tuesday, July 5, 2011
affordable health insurance top 10 ways to save
Top 10 Ways to Save on Health Insurance
There is a great assortment of health insurance plans available in this country. Cost, however, should not be the only reason to commit to any particular plan. By looking for plans that match the necessities of your family, you will be able to adequately protect your loved ones while saving big on money. Below, you will find ten great suggestions for cutting costs on your health insurance plan.
1. Health insurance premiums are all very different, so it is important to make comparisons between many health insurance quotes. Look over the benefits of several different plans and their monthly premiums. It is important that the plan offer sufficient catastrophic coverage and a lifetime maximum benefit of at least two million dollars.
2. We suggest raising your deductible. A high deductible almost guarantees a low monthly premium; however, you will be held accountable for paying your medical bills on your own dollar until the deductible is reached. Plans are available that can remove the deductible for expenses such as office visits, preventative care, prescriptions, and accidental injuries.
3. Consider the cost of co-insurance. This is the fee that your insurance provider pays after meeting your deductible. Companies tend to pay 80% of medical bills after the deductible of usually five to ten thousan dollars, and the insurance company usually covers bills over the annual maximum in full. Some companies will offer 50% co-insurance plans, which can lower monthly premiums; however, for someone who makes regular doctor visits, these plans can cost more money over time.
4. Ensure that the insurance policy meets your medical service provider needs. Insurance plans usually have a list of providers, which offer services for your insurance plan at a reduced cost. By going outside the list of preferred providers, you risk the insurance company only paying a portion of your medical fees.
5. Get a separate policy for each family member. Particularly for children under 18 and older family members, individualized plans can mean saving extra dollars on a health insurance policy.
6. Take the health insurance offered by your workplace. Employers typically pay a portion of or the entirety of an employee's premium; however, they tend to not offer the same services for dependents. If your dependents do not make frequent doctor visits, it may be helpful to consider separate plans based on their needs.
7. Consider COBRA Alternatives. Former employees can participate in COBRA plans, as they offer an extension of an employer-sponsored plan. Individual plans can often help healthy COBRA participants save money. However, those who need repeated medical attention should not consider alternatives, as they can be denied coverage as a result of medical health history.
8. Reduce the risk of being denied coverage. The majority of states offer health insurance plans for people unable to get health insurance from regular providers because of serious medical conditions that require consistent care. High-risk plans are often expensive, which is why it is important to qualify for the plans offered under traditional insurance carriers. Make sure your insurance company knows when a condition has been remedied and no longer needs additional care or medicine.
9. Get a high deductible plan that works with a health savings account. Through a Health Savings Account you can place money into a separate account that will earn interest and be immune to taxes. This account can be used to pay regular medical fees. These accounts work with high deductible plans, which means you will not pay as many premiums. The savings earned by these accounts reduce the potential of not being able to pay for unanticipated medical bills.
10. Learn about government assisted health programs. These plans are typically available to those living below the poverty level; however, there are states that provide assistance programs for those living above the poverty level too. Government assistance comes through subsidies that partially pay premiums for regular health insurance providers.
There is a great assortment of health insurance plans available in this country. Cost, however, should not be the only reason to commit to any particular plan. By looking for plans that match the necessities of your family, you will be able to adequately protect your loved ones while saving big on money. Below, you will find ten great suggestions for cutting costs on your health insurance plan.
1. Health insurance premiums are all very different, so it is important to make comparisons between many health insurance quotes. Look over the benefits of several different plans and their monthly premiums. It is important that the plan offer sufficient catastrophic coverage and a lifetime maximum benefit of at least two million dollars.
2. We suggest raising your deductible. A high deductible almost guarantees a low monthly premium; however, you will be held accountable for paying your medical bills on your own dollar until the deductible is reached. Plans are available that can remove the deductible for expenses such as office visits, preventative care, prescriptions, and accidental injuries.
3. Consider the cost of co-insurance. This is the fee that your insurance provider pays after meeting your deductible. Companies tend to pay 80% of medical bills after the deductible of usually five to ten thousan dollars, and the insurance company usually covers bills over the annual maximum in full. Some companies will offer 50% co-insurance plans, which can lower monthly premiums; however, for someone who makes regular doctor visits, these plans can cost more money over time.
4. Ensure that the insurance policy meets your medical service provider needs. Insurance plans usually have a list of providers, which offer services for your insurance plan at a reduced cost. By going outside the list of preferred providers, you risk the insurance company only paying a portion of your medical fees.
5. Get a separate policy for each family member. Particularly for children under 18 and older family members, individualized plans can mean saving extra dollars on a health insurance policy.
6. Take the health insurance offered by your workplace. Employers typically pay a portion of or the entirety of an employee's premium; however, they tend to not offer the same services for dependents. If your dependents do not make frequent doctor visits, it may be helpful to consider separate plans based on their needs.
7. Consider COBRA Alternatives. Former employees can participate in COBRA plans, as they offer an extension of an employer-sponsored plan. Individual plans can often help healthy COBRA participants save money. However, those who need repeated medical attention should not consider alternatives, as they can be denied coverage as a result of medical health history.
8. Reduce the risk of being denied coverage. The majority of states offer health insurance plans for people unable to get health insurance from regular providers because of serious medical conditions that require consistent care. High-risk plans are often expensive, which is why it is important to qualify for the plans offered under traditional insurance carriers. Make sure your insurance company knows when a condition has been remedied and no longer needs additional care or medicine.
9. Get a high deductible plan that works with a health savings account. Through a Health Savings Account you can place money into a separate account that will earn interest and be immune to taxes. This account can be used to pay regular medical fees. These accounts work with high deductible plans, which means you will not pay as many premiums. The savings earned by these accounts reduce the potential of not being able to pay for unanticipated medical bills.
10. Learn about government assisted health programs. These plans are typically available to those living below the poverty level; however, there are states that provide assistance programs for those living above the poverty level too. Government assistance comes through subsidies that partially pay premiums for regular health insurance providers.
Thursday, June 9, 2011
affordable missouri student health insurance- free quotes!
About Student Health Insurance Coverage
Students need to get access to health care and know where to obtain it. Both a family health plan and an individual student health insurance plan are able to provide coverage for students. Since many carriers offer lower rates for full-time students, it is a good idea to check rates from several companies in order to obtain the most affordable coverage possible. Even if you are a part-time student, you may be eligible for multiple health insurance discounts.
Quotes from Top Student Health Insurance Carriers
Our service gets you connected to the top student health insurance carriers in the country and let's you choose the one that best fits your needs and budget. In addition to online health insurance quotes, you may receive quotes direct from agents from top companies.
Student Health Insurance Articles and Resources
In order to find the most affordable student health insurance available, you need to not only compare quotes from multiple carriers, but you also need to understand your options. If you are in college, you may find that your educational institution offers some sort of discounted health insurance for students. Alternatively, you may find that it may be more affordable to remain on your parents' health insurance plan when you go to college. Of course, there can be a number of complications with this, especially if you are attending a school in a different state.
click here for an online student health insurance quote
Students need to get access to health care and know where to obtain it. Both a family health plan and an individual student health insurance plan are able to provide coverage for students. Since many carriers offer lower rates for full-time students, it is a good idea to check rates from several companies in order to obtain the most affordable coverage possible. Even if you are a part-time student, you may be eligible for multiple health insurance discounts.
Quotes from Top Student Health Insurance Carriers
Our service gets you connected to the top student health insurance carriers in the country and let's you choose the one that best fits your needs and budget. In addition to online health insurance quotes, you may receive quotes direct from agents from top companies.
Student Health Insurance Articles and Resources
In order to find the most affordable student health insurance available, you need to not only compare quotes from multiple carriers, but you also need to understand your options. If you are in college, you may find that your educational institution offers some sort of discounted health insurance for students. Alternatively, you may find that it may be more affordable to remain on your parents' health insurance plan when you go to college. Of course, there can be a number of complications with this, especially if you are attending a school in a different state.
click here for an online student health insurance quote
Sunday, April 17, 2011
Independent Agent "broker" vs Captive agent.
Some people think it doesn't really matter where they buy their insurance. But this misconception could be costing them money, service and protection. Buying insurance isn't like buying bread or milk. Insurance is an important safety net for your family, your home, your car or your business. Don't treat the purchase lightly!
There is a difference in where you buy your protection. Many people don't realize there are three sources for insurance:
Captive agents, who can sell you the insurance of only one company.
Telephone representatives, who can offer you the insurance of one company and only on the telephone.
Independent insurance agents, who represent an average of eight insurance companies and research with these firms to find you the best combination of price, coverage and service.
Here are some important points about purchasing insurance from an independent insurance agent:
Unlike other agents, an independent insurance agent is not tied to one insurance company. You don’t need to change agencies as your insurance and service needs change.
An independent insurance agent treats you like a person, not a number. You can develop a personal relationship with your independent insurance agent. Can you do that with a voice on the phone? Your independent insurance agent has strong customer and community ties.
An independent insurance agent offers one-stop shopping. Dealing with a direct response company or a captive agent limits you to the plans available through only one company. An independent insurance agent offers many plans through many companies, giving the consumer the potential for the broadest range of coverage at a competitive price. One call puts you in touch with someone who can do the comparison shopping for you.
An independent insurance agent provides personalized claims service. When you purchase insurance from a direct response company or a captive agent, who is going to assist you in the event of a claim? Your independent insurance agent is there for you when you need help. Your agent can contact the insurance company and get the claim process rolling, help you fill out claim forms, advise you on the progress of your claim, and work closely with the insurance company to make sure you get a prompt and fair settlement of a valid claim.
There is a difference in where you buy your protection. Many people don't realize there are three sources for insurance:
Captive agents, who can sell you the insurance of only one company.
Telephone representatives, who can offer you the insurance of one company and only on the telephone.
Independent insurance agents, who represent an average of eight insurance companies and research with these firms to find you the best combination of price, coverage and service.
Here are some important points about purchasing insurance from an independent insurance agent:
Unlike other agents, an independent insurance agent is not tied to one insurance company. You don’t need to change agencies as your insurance and service needs change.
An independent insurance agent treats you like a person, not a number. You can develop a personal relationship with your independent insurance agent. Can you do that with a voice on the phone? Your independent insurance agent has strong customer and community ties.
An independent insurance agent offers one-stop shopping. Dealing with a direct response company or a captive agent limits you to the plans available through only one company. An independent insurance agent offers many plans through many companies, giving the consumer the potential for the broadest range of coverage at a competitive price. One call puts you in touch with someone who can do the comparison shopping for you.
An independent insurance agent provides personalized claims service. When you purchase insurance from a direct response company or a captive agent, who is going to assist you in the event of a claim? Your independent insurance agent is there for you when you need help. Your agent can contact the insurance company and get the claim process rolling, help you fill out claim forms, advise you on the progress of your claim, and work closely with the insurance company to make sure you get a prompt and fair settlement of a valid claim.
Saturday, April 17, 2010
Compare Lowest Rates on the Heath Plan You Need!
We find individual health insurance plans and family health insurance quotes. If you are covered under your company or work independently we can find the insurance you need. Choose from the top network of health insurance companies to find the best rates. If you have pre-existing medical conditions and are at high-risk, have been denied coverage before, or are healthy then you may still be eligible for a health insurance plan and we can help you find it. Get health insurance quotes for individual, family, student, senior, or child plans. www.insuredbysteve.com directs you to the health insurance plan that best suits you.
Subscribe to:
Posts (Atom)