Why Use an Agent

IT'S FREE. Dramatic changes in the insurance marketplace make the professional insurance agent's role increasingly important to individuals and businesses in finding cost-saving measures and coverage options. Agents provide and service insurance products while educating and advising you on how to manage risk and make informed insurance choices. Agents are highly trained insurance professionals who will guide you through the complex task of choosing appropriate coverage at an affordable cost and are dedicated to serving the long-term interests of consumers.

What should I expect from a licensed agent?

An agent will guide you through the complex task of choosing appropriate coverage at an affordable cost. The following is what you should expect from a professional insurance agent. Use this checklist to evaluate your current agent. Your professional insurance agent should:

• Work with you to evaluate your needs for insurance coverage.
• Explain the details of different insurance plans.
• Make specific recommendations and tailor plans to suit your special needs and budgets.
• Review your plans periodically to update coverage and limit costs.
• Serve as your advocate and advisor in dealing with insurance companies, doctors and hospitals, and government agencies involving claims, services and regulations.
• Help you as a business owner communicate benefits packages to employees and demonstrate how various provisions can complement personal and government financial plans.

You can typically receive a local agent's service and support at NO additional cost to you.

Should I buy online?

Benefits are complex and they are critically important. Health care coverage protects both a family's health and its finances. If you purchase the wrong health care coverage, the consequences are significant. Remember, if you buy health insurance online, there may be no advisor to explain benefits, no advocate if problems arise and no counselor to help you make the right coverage choices. I am here to help and support you at NO additional cost.

Agents make complex issues understandable

Often, state and federal governments pass laws that affect employee benefits; health insurance agents understand these laws and explain them to their clients in a clear and concise manner. There are countless plan options available to employers and consumers; a good agent will guide you through the myriad of options to a plan that best suits your particular needs.

Agents solve problems

Typically, agents are the first to be called when a client's claim is not paid or when premiums are raised. Because of this expertise, experience, and relationships with insurance carriers, I can often get problems solved quickly and efficiently.