Why Do I Need an Agent?

With all the information available on the internet, you mind find yourself asking the questions, “
Why Do I Need an Agent?”. I totally understand. We have all had the bad, pushy, over-the-top salesperson on the phone who is pushing a product on you. Nobody likes that experience, but there are many reasons having a personal agent benefits you.

First, there are literally thousands of different products available to you. Insurance professionals spend thousands of hours learning the pros and cons of each product. Some companies offer additional benefits that can be of great value to clients. Other companies offer preferred ratings for specific health conditions whereas others may potentially rate or decline you. For instance, a prescription of nitroglycerin for an emergency can trigger a decline with some carriers and yet other carriers give the potential for preferred ratings. Without an in-depth knowledge of underwriting, you may settle for a product that does not best suit your needs.

Your agent serves as an advocate for you on behalf of insurance companies as well. Many times I have had clients call me from a doctor’s office and had me explain coverage to the billing personnel. They have sent me pictures of the explanation of benefits and asked me to decipher. A good personal agent will not only help you qualify for a great product but also ensure you are getting the most out of it.

Without an in-depth knowledge of underwriting, you may settle for a product that does not best suit your needs.

In the long run, you might wonder how much does a personal agent cost you? Or what is the catch? How do we get paid? The truth is it costs you nothing and there is no catch. The insurance companies pay me to help them find qualified clients. I am also continually compensated for keeping my clients happy, again from the insurance companies themselves. In fact, you would pay the same price if you called the insurance company directly… you just wouldn’t have the most important feature … ME.