You can purchase your life insurance from an agent who only represents a single company or choose an independent agent who offers policies from many different insurers. It’s not surprising that millions of people want independent agents to get the best type of policy for their needs.
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What is an Independent Agent?
Many insurance agents work for a single company, like a franchise, where they represent a specific location. Such agents are akin to salespeople who earn commissions from selling the policies provided by the company. An independent agent is not tied to a single company but rather earns commissions by selling policies from different insurers.
In some ways, it’s harder for independent agents to become established because they do not have the full support of a single insurance company. However, they have unique advantages, making them attractive to those looking for specific types of policies.
Pros & Cons
The benefits of independent insurance agents start with their choice regarding representing many insurance companies. The independent agency can offer the following benefits for those seeking a life insurance policy.
Choice: As with captive life insurance agents, you are not restricted to what one company offers. With an independent agent, you can choose from several different insurers, which means you can find the right one at a price that fits your budget.
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Expert Advice: Because of their familiarity with so many different insurance companies and their policies, the independent agent guides you to find the right one that works for your needs. This means they provide information about the size, scope, price, and extenuating circumstances. Even if you need the least expensive plan due to a tight budget, an independent agent can notify you with the most valuable information.
Advocacy: The agent does more than sell you the policy. They are your advocate when it comes to concerns about claims or billing. They will work with you regarding any questions you have about filing a claim, addressing a bill, or any change in the policy itself.
There are very few, if any, real disadvantages in using an independent agent apart from the possibility that a dedicated or captive agent might offer you a better price for a particular policy the company has to offer.
Why Should You Choose an Independent Agent?
There are several good reasons, but perhaps the most important is that the independent agent is more on your side when it comes to working with insurance companies. Because they are not captive agents, they do not have a natural inclination to back a particular company over your needs.
The independent agent can find the best life insurance policies at competitive rates. This means you have many choices instead of just one with a captive agent. A local independent agent is a go-to man without uncertainty for the country’s senior citizens.
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An independent agent is an excellent place to start if you are looking for the right life insurance policy. They provide you with the broadest range of choices to get the type of life insurance policy that best suits your needs.
This is true with Secure Senior Life Insurance as we work with some of the best life insurance providers in the country. Thus we have greater access to the market’s most competitive rate.
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