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Have you Heard the term we are your personal insurance agent?

What does that mean?

How many times have you spent countless hours on the phone with your insurance company trying to get the information you need?

How many times have you gotten the automated voice response system that does not understand proper English and had to scream at a machine?

Have you had to handle a claim and completely gotten the run around with no end in sight?

Have you had a claim denied by your insurance company and tried to find a legit reason as to why?

Have you had to cover emergency costs because your insurance was not accepted at the place where services were rendered?

If you answered yes to any of these, You DON'T have an Insurance Agent, You have an Insurance Sales Person!

What's the difference?

Well Your Insurance Sales Person shows up and performs a "spectacular insurance presentation" on the best product ever to hit the streets! Puts some pressure on you to get it now because the rates are just for this week and they are going up because they can't keep the policies this affordable that long.

You signed and you're thinking, AWESOME! I have the best coverage available and it's affordable!

Three weeks go by, now you need to go to the doctor and for some reason they won't accept your insurance. So you call the insurance sales person and he gives you a 1-800 number and assures you they will take care of everything. So now we are back up to the original questions!

You also find out the medicine you need is also not covered under the superb limited time insurance you are paying top dollar for.
Now what's the real difference.

Now, what an independent insurance agent is.

Someone who is not required to push one product. They have the ability to shop multiple insurance carriers that are available in your area and within your budget.

When we sell you a insurance policy, we have shopped around using various companies to ensure you get the best coverage with the best company for the best price!

When you have an issue with a claim, an insurance agent helps you solve it. We can make one phone call to a "human" and get it resolved in minutes rather than hours. The process is; you call your insurance agent and talk to them on the phone, the insurance agent calls your insurance company to get the answer for you, while you are still going on about your day. After the issue has been handled, the insurance agent calls you back and tells you the new status and whether or not it is solved.

Insurance Agents, Calls, Visits, Gives you donuts and Asks about your family! And Most of All GOES ABOVE AND BEYOND FOR YOU and to Keep your business!

When you doctor does not take your insurance, you have to spend hours finding one that takes your insurance card. But wait, instead you can call your insurance agent and within minutes you now have a list of all the doctors in your area that accepts your current insurance carrier.
In some situations, all that is needed is a phone call from your agent and a few forms to get your current physician to accept your new coverage.

You can call your insurance agent and ask them what medications are covered and if their generics are covered instead of name brand medicines.

Now you're responsible for the emergency care visit you had to take while you were on your Easter vacation in Missouri at your in-laws house.
With an Insurance Agent You can call and let them know what happened and you give them the papers you received for the care provided and they fight for you against the carriers. A lot of insurance agents know local physicians and use them frequently for advise and references to fight for you to get denied claims covered.

You go to your pharmacy two weeks after you signed for your new coverage, Not the new company denies your medicine, You can call your insurance agent and have them talk to them and get your meds covered! Even though they were not responsible for 30 days! It Sometime happens this way!

Is this a requirement for an Independent insurance agent? NO!
I probably shouldn't be telling you the dirty little secrets about insurance sales persons, Then again I don't care about them, Just you!
Am I Biased you ask? Who's side am I on! The Insurance Companies or the Consumers?
Is it not obvious yet?
Well I guess you need to read on then.

Now why I say this!

I started in the insurance business as a "Insurance Salesman"!
After 1 extremely brief month, I had met a few other people in the Insurance business. I was able to learn allot from them.
I Learned I was not selling the latest and greatest health insurance product nor was it the most affordable.

I left the insurance sales business. And began my career as an insurance agent.

I opened an "Independent Insurance Agency" Called Today's Insurance Solutions .LLC.

*Do you know when you buy insurance from your local independent insurance agency usually it will help put money back into your community; rather than funding a community you will never get to see or enjoy?"

Little do people know, there are a limited number of approved insurance companies specific to each demographic. Most independent agencies will carry the best and most competitive companies available for the area.

Now, for the people that think going to the internet and getting insurance are saving hordes of money are often mistaken. Internet insurance agencies like esurance.com and thegeneral.com, are selling the same products they can get by going down the street to their local insurance agent. Now they have made the sacrifice of having no insurance agent working for them. Would you rather someone sitting in an office on the other side of the world try to relate and understand what their dilemma is and not giving a crap if it gets resolved or not?

Do you think you would go to these sites knowing you could have the same coverage at the same cost with 100% more support by calling or visiting you local independent insurance agency? I would love to think you wouldn't, but sadly enough a few people will read this and still go to these sites because the commercials told them to.

I don't know about you but the last time I listened to a talking lizard I was so drugged up pain medicine that I don't even remember escaping from the hospital I was checked into.

*Did you know that when you go to most of the sites at the top of the search engines for insurance quotes aren't there to provide you insurance? What they do is take the information and sell it to 10-15 agents within your area for prices ranging from 5-70 dollars, just for the chance to give you a quote on your next insurance product.
I bet you didn't know you were giving away money like that did you?

I have made it a mission to try to explain the reasons to all of my customers, present and future, the importance of using an insurance agent to handle their needs and why it's more beneficial to do so.

At the end of the day, I don't cry if they don't buy from me; I know having this new knowledge under their belt is beneficial. It will come up in conversation at their next gathering.
Everyone likes to sound intelligent, now they will tell their friends and family what I told them and why they need to use an insurance agent and not an insurance salesman.
I won right? Probably not. The people are getting lazy and mostly rely on what commercials tell them.
You can SAVE 5 million dollars by switching to acme insurance company, now you are in good hands. "RIGHT."

Tips: Search your favorite search engine for a "local independent insurance agency," then contact them for free quotes for coverage you need for your life.

A lot of independent agencies carry life Insurance, health Insurance , business/commercial Insurance, auto insurance, and Home insurance.

I apologize if a was ranting, But I am trying to vent while helping to inform our consumers about their local Insurance resources that they might of now known else wise.

Jeff Parker is the Owner of Today's Insurance Solutions .LLC. An Independent Insurance Agency located in little Rock, Arkansas

Jeff Parker
Owner/Independent Insurance Agent

http://www.todaysinsurancesolution.com

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