There are three common misconceptions about working with an independent insurance agent for your health insurance coverage.
Misconception #1. It costs more to go through an agent than to buy direct.
Whether you use an agent or buy direct, you pay EXACTLY the same amount.
The difference is that when using an independent agent, you get free advice and guidance—allowing you to compare the rates of multiple plans and products. The agent works for you, not an insurance company, and does not charge you for the service.
Misconception #2. It’s easier/faster working directly with the insurance company.
Imagine you were re-roofing your house. Would you call just one roofing company and go with that one? Or would you call multiple companies to compare their rates, reputation, and craftsmanship—ensuring you got the best/most affordable one? Like a major home repair, your insurance is too important to skip doing your homework. And that is exactly what an independent insurance agent does for you.
An independent insurance agent makes informed, knowledgeable recommendations based on his/her expertise—and you get all that at no extra charge, without having to do all the legwork yourself. By using an independent agent, you don’t have to guess whether you called the right insurance company or if you got unbiased advice.
Misconception #3. Calling an insurance agent means getting an annoying, high-pressure sales pitch.
No one likes to be sold, and some insurance agents indeed have that reputation, but calling a professional independent insurance agent is the first step. Take the time to review the agent’s track record, reputation, and testimonials to make sure you are being educated, not sold.
Need an agent to work with? Grab a spot on my calendar. I’d love to help you find the right coverage for your needs.
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