Value of having a local agent

Sometimes people ask why should I go to a local agent for my insurance needs.  Well, the answer is simple, a local agent adds value to your insurance transaction. 

Here's some of the reasons why:

A local agent will help you rebalance your insurance coverage.  What does that mean?  It's great to be able to do a review of your insurance coverage with your agent.  When a new product comes to your area that can work well with your situation and save you money, your local agent can present it to you to see if it is something that you'd want to consider.  If you are left on your own, then you probably won't know about the cost saving options. That can cost you money and over the years, it can really add up.  I love when I can save my clients money that they can then use to pay for medications, food, housing, transportation, vacations, and on family.  

A local agent can also be there when something happens with a claim or an insurance company makes an error.  If a claim gets processed incorrectly, a local agent can help get it straightened out for you or help you with the appeal process.  Sometimes, this is overwhelming to some people.  I have seen people pay a bill they don't owe, just to get around having to work through the issue with the insurance company.  With a local agent, you have someone to assist you and go to bat for you when you need help.  This brings a sense of relief to the client that they may not have otherwise.

A local agent has product knowledge about the products that are offered in your state and in your local community (county).  We go through hours of training to learn the products that are available so we are able to help you decide what is right for your situation, budget, and health needs.  If someone calls you up over the phone, they may know a little bit about your area, but do they really know the products as well as a person right in your community.  Will that person really be there for you when something happens and you don't know what to do?  Probably not.  Some agents are only interested in selling policies and not worrying about helping the clients when situations arise (and they will at some point in time). 

A local agent is only a phone call away and you can go sit down with them and see them face to face.  There is a peace of mind that comes with knowing and forming a relationship with the person that is handling your insurance.  If you trust that your agent has your best interest in mind and they will take good care of you, then you can sleep better at night.  Sometimes all it takes is your agent looking over your current plan and comparing it to the new plans that come out and letting you know, you're okay with the plan that you have.  Sometimes moving to a new plan just isn't necessary and a good agent won't move you just to be moving you.  But it's always good to know that what you have is the best place to be.  

A local agent also can be a one stop shop for your insurance needs.   Many agents offer more than just one product.  For example, I offer health insurance (Medicare and Affordable Care), life insurance including final expense, annuities, long term care, hospital indemnity plans,  disability, cancer, dental, vision, hearing, etc.  All of these services are in one place.  No need to run all over town trying to find help.   

So these are just a few of the reasons that a local agent brings value to your insurance coverage needs.  Local agents are incredibly valuable and cost you nothing extra!  

So if you are retiring, losing group coverage, just wanting to check to see if your coverage is the best value for the money, contact me.   I'd love to hear from you.  You can contact me at the office at 270-842-4236 or through the contact me boxes on this website.