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.
http://www.selectinsuranceteam.com/selectinsuranceblog.html
Showing posts with label anthem blue cross blue sheild. Show all posts
Showing posts with label anthem blue cross blue sheild. Show all posts
Wednesday, July 13, 2011
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.
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
Laid off? COBRA Insurance comes with quite the bite!
What Is COBRA?
COBRA insurance may be an option for health care coverage if you have been laid off.
If your former employer has 20 or more employees, the company is required by a 1986 federal law to offer you the option to pay for an extension of your health insurance coverage for at least 18 months. This law is known as COBRA, which stands for Consolidated Omnibus Budget Reconciliation Act.At the time you are laid off, your employer must inform you in writing about your rights under COBRA. You then have 60 days from the date of the notice or the date your health insurance ended to enroll, or sign up for coverage under COBRA. If your company went out of business or went bankrupt, COBRA will not be available.
How Much Does COBRA Cost?
When you sign up for COBRA, you will continue to have similar health insurance and the same health plan benefits that you had while employed. However, you must pay the health insurance premium that you paid before you were laid off plus the amount your former employer was paying for you. The employer may also add a 2% administrative fee.
Depending on your individual circumstances, COBRA can be very expensive. If you are getting coverage for yourself, you may have to pay up to $400 per month; family coverage may be more than $1000 per month!!! These amounts will vary depending on the benefits provided by your employer's health plan.
What If I Can't Afford the Monthly COBRA Premium?
$1,000 every month is a lot of money and probably more than you expected to pay, especially if you also lost your income and are collecting unemployment insurance. For some workers, the COBRA payments can amount to more than 60% to 70% of their monthly unemployment check. Many laid-off workers who are eligible to continue their health insurance coverage through COBRA cannot afford to do so.
What Ir I can't afford the Monthly COBRA Premium?
If you cannot afford COBRA, Select Insurance Group offers Individual health insurance options that will provide the health coverage benefits at an affordable Price.
Select Insurance Group is located in multiple states and we specialize in working with families and individuals in-between-jobs. We offer a wide SELECTion of companies we work with to get you that desirable price you are looking for. Why spend hours shopping from company to company when you can hire us at no additional cost to shop all the competition and answer all your insurance questions.
Quotes are free. CLICK HERE to shop online or call us at 1-855-GET-SELECT
Steve Ludwig
Select Insurance Group
President/CEO
636-410-6219 Ext 1
www.selectinsuranceteam.com
COBRA insurance may be an option for health care coverage if you have been laid off.
If your former employer has 20 or more employees, the company is required by a 1986 federal law to offer you the option to pay for an extension of your health insurance coverage for at least 18 months. This law is known as COBRA, which stands for Consolidated Omnibus Budget Reconciliation Act.At the time you are laid off, your employer must inform you in writing about your rights under COBRA. You then have 60 days from the date of the notice or the date your health insurance ended to enroll, or sign up for coverage under COBRA. If your company went out of business or went bankrupt, COBRA will not be available.
How Much Does COBRA Cost?
When you sign up for COBRA, you will continue to have similar health insurance and the same health plan benefits that you had while employed. However, you must pay the health insurance premium that you paid before you were laid off plus the amount your former employer was paying for you. The employer may also add a 2% administrative fee.
Depending on your individual circumstances, COBRA can be very expensive. If you are getting coverage for yourself, you may have to pay up to $400 per month; family coverage may be more than $1000 per month!!! These amounts will vary depending on the benefits provided by your employer's health plan.
What If I Can't Afford the Monthly COBRA Premium?
$1,000 every month is a lot of money and probably more than you expected to pay, especially if you also lost your income and are collecting unemployment insurance. For some workers, the COBRA payments can amount to more than 60% to 70% of their monthly unemployment check. Many laid-off workers who are eligible to continue their health insurance coverage through COBRA cannot afford to do so.
What Ir I can't afford the Monthly COBRA Premium?
If you cannot afford COBRA, Select Insurance Group offers Individual health insurance options that will provide the health coverage benefits at an affordable Price.
Select Insurance Group is located in multiple states and we specialize in working with families and individuals in-between-jobs. We offer a wide SELECTion of companies we work with to get you that desirable price you are looking for. Why spend hours shopping from company to company when you can hire us at no additional cost to shop all the competition and answer all your insurance questions.
Quotes are free. CLICK HERE to shop online or call us at 1-855-GET-SELECT
Steve Ludwig
Select Insurance Group
President/CEO
636-410-6219 Ext 1
www.selectinsuranceteam.com
Online Health Insurance | Online health insurance quotes | Online Medical Insurance
Online health insurance for individuals, family and self employed health insurance shoppers is what we do. Simply begin a online health insurance search by clicking here, after clicking you will be requested to place some basic profile information, which is all secure and never sold and needed to gain you an accurate quote. The online health insurance quote page will take you through 3 steps that takes less then 3 minutes to complete. Different from other online health insurance quoting sites, ours will provide both online health insurance and offline individual health insurance quotes, many high quality plans are not available online but are still great plans and policies with cheap health insurance rates that should not be skipped over. Our health insurance brokers will send you 1 email with these quotes in them and a way for you to view more information about the individual health insurance plan they are recommending. Our online health insurance system costs the consumer nothing, and is completely free to use as often as you would like. Please make your request with confidence in knowing we are a brick and mortar health insurance brokerage with over a decade of expertise working on your behalf and with the one goal of making sure your online health insurance quotes from us are the cheapest health insurance quotes you find. If you think our online system is right for you, search online health insurance.
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.
Sunday, July 3, 2011
Insurance Brokers vs Agents
What is the difference between using Insurance Brokers vs Agents?
Let's face it, shopping for insurance is generally a dreaded and time consuming task. Not exactly fun and although it only takes about 15 minutes to get a preliminary rate - that's only the rate from ONE company. How many agents do you want to call and how many blocks of 15-30 minutes do you want to take out of your life?
Wouldn't it be nice to be able to call one agent and have them shop your auto, home, life, heath or other insurance policy around FOR you without it costing you a dime of money or time away from your family?
That's the difference between a Captive Insurance AGENT and a Multi-Carrier Insurance BROKER. A captive agent can only write for ONE carrier such as Allstate, Geico, State Farm, Nationwide or Liberty Mutual to name a few which means you have to call each and every one of those carriers if you want a rate from each and every one!
Now an Insurance Broker on the other hand writes for MULTIPLE Carriers saving you a whole bunch of time and that's not even mentioning money! When you work with an insurance broker, you give them your information ONE time, they in turn, enter it into their system just like a captive, one carrier agent does, but the difference is the broker will then receive rates from a multitude of carriers!
Do you want to hear the best part?
Brokers are paid the same way as captive agents... but instead of an agent who needs to make a "sale" with the one auto policy or one home policy or one life policy they have to offer, a brokers job is find you the BEST available policy for you to "buy" that's right for YOUR given situation on a budget that YOU can afford! The captive agent has to sell you on why THEIR limited product line is so great and why you 'need' to use THEM, where the insurance broker has a much easier job to find YOU a carrier that can offer YOU the quality coverage that YOU actually need with a premium that fits into YOUR budget.
You see a captive agent is about trying to fit you into THEIR product.
An insurance broker is about fitting the best product around YOU.
Which do you prefer... to be "sold" a policy because the agent only has the one to offer OR... "buy" the policy that is right for your needs? Now don't get me wrong here... I'm NOT saying the products that single carrier agents represent won't be anything less than perfect for your needs! What I am saying is what happens when that carrier's price goes up? What happens when you need a coverage that they do not offer like guaranteed replacement cost on your homeowners insurance? What about wanting to use the same agent for more than just your auto and home needs like life insurance? If you are working with a single company captive agent, you are stuck to only use that companies products which may or may not be the best fit for you. And in all honesty, how many people do you know who will tell you that you can get better down the street? When working with a broker, you are less restricted because they are able to offer many more carriers, many more products, many more types of insurance and of course, many more price points so an insurance brokers job is to seek out and find the best product for YOUR need, not try to "fit you into what a captive agent happens to have available".
Want to hear another great benefit of working with a broker?
When it comes time to shop your policies around in the future to be sure you are receiving the best value... all you have to do is call your broker and tell them to do so. If you're with a captive agent, there isn't anything to shop around because they only have one product to offer.
Captive agents are in a "you can take it or leave it" situation.
Insurance brokers are in a "let's see which product fits YOUR situation the best".
call us to get the most SELECTion for your insurance dollar.
1-855-GET-SELECT Ext 101
Let's face it, shopping for insurance is generally a dreaded and time consuming task. Not exactly fun and although it only takes about 15 minutes to get a preliminary rate - that's only the rate from ONE company. How many agents do you want to call and how many blocks of 15-30 minutes do you want to take out of your life?
Wouldn't it be nice to be able to call one agent and have them shop your auto, home, life, heath or other insurance policy around FOR you without it costing you a dime of money or time away from your family?
That's the difference between a Captive Insurance AGENT and a Multi-Carrier Insurance BROKER. A captive agent can only write for ONE carrier such as Allstate, Geico, State Farm, Nationwide or Liberty Mutual to name a few which means you have to call each and every one of those carriers if you want a rate from each and every one!
Now an Insurance Broker on the other hand writes for MULTIPLE Carriers saving you a whole bunch of time and that's not even mentioning money! When you work with an insurance broker, you give them your information ONE time, they in turn, enter it into their system just like a captive, one carrier agent does, but the difference is the broker will then receive rates from a multitude of carriers!
Do you want to hear the best part?
Brokers are paid the same way as captive agents... but instead of an agent who needs to make a "sale" with the one auto policy or one home policy or one life policy they have to offer, a brokers job is find you the BEST available policy for you to "buy" that's right for YOUR given situation on a budget that YOU can afford! The captive agent has to sell you on why THEIR limited product line is so great and why you 'need' to use THEM, where the insurance broker has a much easier job to find YOU a carrier that can offer YOU the quality coverage that YOU actually need with a premium that fits into YOUR budget.
You see a captive agent is about trying to fit you into THEIR product.
An insurance broker is about fitting the best product around YOU.
Which do you prefer... to be "sold" a policy because the agent only has the one to offer OR... "buy" the policy that is right for your needs? Now don't get me wrong here... I'm NOT saying the products that single carrier agents represent won't be anything less than perfect for your needs! What I am saying is what happens when that carrier's price goes up? What happens when you need a coverage that they do not offer like guaranteed replacement cost on your homeowners insurance? What about wanting to use the same agent for more than just your auto and home needs like life insurance? If you are working with a single company captive agent, you are stuck to only use that companies products which may or may not be the best fit for you. And in all honesty, how many people do you know who will tell you that you can get better down the street? When working with a broker, you are less restricted because they are able to offer many more carriers, many more products, many more types of insurance and of course, many more price points so an insurance brokers job is to seek out and find the best product for YOUR need, not try to "fit you into what a captive agent happens to have available".
Want to hear another great benefit of working with a broker?
When it comes time to shop your policies around in the future to be sure you are receiving the best value... all you have to do is call your broker and tell them to do so. If you're with a captive agent, there isn't anything to shop around because they only have one product to offer.
Captive agents are in a "you can take it or leave it" situation.
Insurance brokers are in a "let's see which product fits YOUR situation the best".
call us to get the most SELECTion for your insurance dollar.
1-855-GET-SELECT Ext 101
Saturday, April 17, 2010
Find Health Insurance that Fits Your Budget!
Get health insurance quotes, compare rates and save! insuredbysteve.com helps you find the plan you need. Health insurance professionals bring the information to you. Evaluate provider rates and find the insurance plan that works for your budget. Our service is hassle free. It takes a couple minutes to find the health insurance you’re looking for. Get a quote at www.insuredbysteve.com or call 314-368-9125 and start comparing savings today!
Subscribe to:
Posts (Atom)