In today’s busy world people love to use the internet to shop for almost everything. We buy groceries to cars using the internet to find the best prices and research the products. Many people today use the internet to purchase health insurance. There are a few things to know about health insurance prices, they are regulated and they same policy from the internet and from an Insurance broker will be the same price. This is good news for the consumer this makes is easy to compare plans and premium costs via the internet. This can be a great way to go if you are healthy and you know what you want, but it can be a large problem for someone who has some medical issues to find the best plan and company for their particular situation.
The Insurance Agent/Broker can offer you the personalized advice and guidance you need to navigate through obtaining health insurance. To get this personalized service there is no effect in the premium cost, so why would you shop on the internet alone for insurance. The personalized service you will get will save you a lot of time when you need to ask a question or need help. They will know who you are when you call. You will have a person who you know to call if you have a question. If you call an 800 number of one of those internet services to buy insurance, you will be talking to a different agent every time you call. You may even need to call the insurance company and have no one on your side to help you work an issue.
The great advantage of working with an Insurance Broker/Agent is growing a relationship together. They know you and you know them so it will save you time if you need help. The insurance agent has support people in the particular insurance company to help them if your issue has not been resolved through the normal channels.
The Insurance Agent/Broker has something you do not have when you are applying for insurance online is access to the underwriter guide and to underwriters to do a pre-screen before you apply to see if the insurance company can accept you and what your rate up may be. The insurance company has the final word on your premiums, but you will be able to get an estimate with the help of an Agent. Using an insurance agent can save you some frustration and guidance that can help lead you to an approach to saving you on your premiums.
I would suggest you build a relationship with your insurance agent to help you through any personal insurance needs. They will be a good contact for you in the event of any issues and can help you through finding the best solution for your needs. Do not go it alone, find an agent you trust to help you. The best complement for any insurance agent is a referral, so ask around to find one of your friends if they know if an agent. We are always able to help you if you need a trustworthy agent. Call us today.
Help your neighbor not a big company; use an insurance broker/agent.