- Independent life insurance agents don't just use one main insurance company (and possibly some of their affiliates) for quotes, like captive insurance agents are required to do. (Captive agents are agents that work specifically for one main insurance company and can sell only their company’s products.) In contrast, since independent agents are not tied to just one company, they can offer a wider choice of products. Then they can “shop” around a very large number of insurance companies across the market all at once to find out what fits your needs the best and at the lowest premiums. So unlike when using captive agents, you are not beholden to any one company when you choose to use independent agents. Also by choosing an independent agent you do not need to change insurance agents, if you want to purchase a new policy (or replace your old policy) with a different insurance company later on in life, as your insurance needs may change in the future.
- Independent life insurance agents, such as myself, allows us to find particular types of life insurance policies that are best suited for our clients’ specific needs. (For example: One life insurance company may specialize and be accommodating with approvals and lower rates in one area and yet another insurance company may specialize and be more accommodating in a totally different area.)
- Independent life insurance agents, such as myself, also offer personalized customer service rather that some automated voice prompt menus, etc. I work with your best interests in mind rather than just the insurance companies. I will also try to customize your insurance policies to meet your specific insurance needs.
- The good news is that independent life insurance agents do not add extra charges to insurance companies’s rates, like some other industries do. So why not take advantage of personalized customer service of independent agents, that will also shop around for you to find the best rates, all at no additional charge?
- Convenience - Local independent life insurance agents will come to your home, your work, or somewhere else that you choose, so you don’t even have to travel to an office. Also independent agents will try to accommodate your schedule. (For example: If you work during the day and prefer to meet in the evening or on the weekends generally that is not a problem.)
- Understanding – Independent insurance agents understand that life insurance can seem complicated, daunting, and confusing, especially when you don’t deal with insurance on a regular basis. As an insurance agent, I will work to try to ensure that you fully understand your coverage, by explaining things in simple easy to understand terms, and at a pace you prefer.
- After you purchase your policies, our work as independent agents are not over. I am available the following years to help answer your questions, update your policy and make coverage recommendations.
- Reputation – Reputation plays a crucial role in finding an independent agent that you can trust. I am committed to maintaining the highest standards of integrity and professionalism in my relationships with my clients. My quality client relationships are built on a foundation of honesty, integrity, trust, and caring. Please Click Here for reviews from my actual clients to find out more about the quality of my services I offer and how my clients are treated in their own words.
- Peace of Mind – Above all, working with an independent life insurance agent will provide you with peace of mind, knowing that when you save money on your insurance, it won’t come at the expense of comprehensive coverage. Also when it comes to protecting your loved ones or your business, relying on an independent agent that you can trust is certainly a great place to start!
Note: Life Insurance information can be confusing to many people. As an "independent licensed agent" I can explain things to you in simple terms so you feel comfortable making a decision. Then I can help you choose a life insurance policy, from many choices of different insurance companies, that you feel fits your needs. Plus if you choose to work with me you will have personalized service by a local agent that can shop premium quotes for you. If you would like my assistance to discuss and/or start the process of getting you insured please call me at 941-404-5334.