We have all had to get insurance, whether health or life, deciding on the right company is always a chore of research, questions, and hopefully the right answers. When an insurance company is trying to sell you insurance, they will often stretch the truth to sell a policy. That is not to say that insurance companies are not honest. They will go the length to sell the policy.
Representatives for an insurance company are not as friendly or honest as an independent agent. An independent agent will go the distance to find the best rates, especially if they sell multiple types of insurance. They will find what suits your needs the best without question and even create a personal relationship with their clients.
You call a major insurance company inquiring about life insurance as an example. You are talking to the customer service representative when you get cut off. You call back attempting to talk to the same representative, but that representative is not available. Now you have a new representative who doesn’t know your situation. They look over a few notes and attempt to catch up on what you are looking for. You end up spending a lot more time going over the same thing.
The lack of personalization shows in the representatives who are often subcontracted by the larger insurance company. They generally know the products offered and can give quotes, but the quotes are not always accurate. It could be a pre-existing condition you didn’t know you had to report, or smoking cigarettes. Often, the quote changes after you purchase the policy.
With an independent agent who sells multiple types of insurance, you get a personalized experience and a personalized quote. They are not in the business of selling a policy without an accurate quote. Their reputation is everything. They go the distance to ask you the right questions to get the most accurate quote possible.
A good example of an independent agent is Nic Martin. He works with HealthMarkets to get the best, most accurate quote possible for his clients. He works mainly with health and life insurance. He is very knowledgeable about Medicare, Medicare supplemental policies, and health insurance for small businesses. He works with individuals looking for their health insurance solution. He is very knowledgeable about insurance for low income policies. When it comes to finding the lowest rate for you, the consumer, Nic Martin goes the distance. He will not only find you the best policy for your income and your needs, but he will also do it with a smile. Professional, personable, caring, and quality are words that come to mind when thinking about Nic Martin. Let Nic Martin work for you. Give Nic a call today.