Frequently Asked Questions - About Independent Insurance Agents - Brokers & Financial Professionals - Business Consultants
The insurance industry is constantly evolving. Insurance providers are forever trying to refine the balance between cost and coverage. As competition gets stronger, companies are working harder than ever to bring you the best protection at a price you can afford.
Whether you are searching for Medicare supplemental insurance, annuities, life insurance or niche plans such as guaranteed health insurance, you need to be one step ahead of the game if you want to get the most out of your policy. This is where we come in.
Independent Insurance Agents-Brokers & Financial Professionals, are your best bet for finding low insurance rates; whether you are near our Jacksonville FL, World Headquarters or anywhere else, when you are shopping for life insurance, home insurance or auto insurance, annuities', Financial Planning, Asset Management, etc. your first call should be to an independent insurance Agency-Broker-Financial Professional-Investment Advisor, Business Consultants, Attorneys, etc.
These are some questions that we are asked over and over, and they should help you understand why an independent insurance agent is the best way to get the lowest insurance rate with the best coverage.
How we work together and to accomplish your goals
Your family will always come first; you wouldn`t want them to have to bear the financial burden of your last days. No matter what your age, it`s always good to have a plan as to how you intend to cover these costs. Final expense insurance will pay for your funeral service and other associated costs.
Your standard of living is important to you. Should you be taken ill or suffer mobility problems further down the road, we want you to lead the most comfortable life you possibly can. Long term care insurance makes this possible. It also lifts the burden of care from those around you, improving the standard of living for everyone you hold dear.
We know about the benefits and pitfalls of group versus single insurance policies; employer sponsored health plans; term versus whole life and other insurance `gray areas` that customers often wish to better understand. Please don`t hesitate to call us with your questions, no matter whether you are a valued customer, a potential one, or if you simply need advice.
An independent insurance agency is appointed with multiple insurance carriers and can shop multiple insurance companies in order to find the best insurance prices. This same example applies to all of the other Products & Professional services we offer via our Trusted Advisors Network Partner Programs (TANPP-Global)
2) Who does the independent insurance agent work for?
The independent insurance agent works for their clients; they are not beholden to any one insurance company so they are able to cast a critical eye on your insurance policy, and ensure that you get the right coverage at a great price. We are your buyers agent's - brokers it is that simple. You pay us to do the shopping and most importantly vetting for you, via our Consultative Fee structure.
3) What kind of insurance companies does an independent insurance agent write with?
Independent agencies are appointed with many insurance companies; Metlife Insurance, Safeco Insurance, Kemper Insurance, Traveler’s Insurance, Encompass Insurance, and many more.
4) Why are insurance rates cheaper at an independent insurance agency?
Insurance is a competitive market, and insurance companies are always tweaking their rates to find the perfect balance. Independent insurance agents understand this, and because they are appointed with multiple companies they have a broader understanding of insurance rates and can take advantage of changes in the market for their clients.
Commercial time is expensive, and insurance companies that have big flashy commercials have to pay for that somehow. Independent insurance companies pass those savings on to their insurance clients.
6) Are independent insurance agents more knowledgeable about insurance in general?
Independent insurance agents must be well versed in multiple insurance companies products. Each home insurance or auto insurance policy is a little different though each company. Independent insurance agent must understand those differences, and help their clients find the best price insurance.
Commercial time is expensive, and insurance companies that have big flashy commercials have to pay for that somehow. Independent insurance companies pass those savings on to their insurance clients.
8) Are independent insurance agents more knowledgeable about insurance in general?
Independent insurance agents must be well versed in multiple insurance companies products. Each home insurance or auto insurance policy is a little different though each company. Independent insurance agent must understand those differences, and help their clients find the best price insurance.
9) At the end of the day, we work with you, and for you as your needs change, as Your Buyer's Agent - Broker - Consultant. Life happens, let us take the worry out of your life today.
10) Why we charge a Consultative Fee?
The reason we charge an upfront, Consultation fee is very simple, we take the worry out of your mind, by thoroughly vetting all of our-your Trusted Advisor Partners. In order for you to benefit knowing that you are working with the absolute best experts, in your area, have comfort in knowing everything there is to know regarding whatever the product's and service's you need have to offer. That's it, not just for insurance & financial services, but everything and everyone that we work within our Network to benefit you and your personalized needs. We work in a very similar Business Model as any other Professional Services Organization does, think of an Attorney's fee structure, a Dr's office, your CPA etc. We also work similarly like Angie's List, what makes us the best is because we thoroughly vet our Network Partners using a (Patented (Patent's Pending), Trademarked & Copywritten Processes (Pending Approval)). We are sure you have many questions, and we are here to answer them. We are always, but a phone call away.
