Why use an agent to purchase health insurance?

Representation

We hate throwing money away or spending money on something we don't get to enjoy the benefits of. Yet, people can unknowingly do this when it comes to health insurance.

Premiums for almost all insurance policies include a commission charge to pay agents for selling and servicing these policies. You pay this commission charge regardless of whether you buy directly from the insurance company or from an independent agent.

If you purchase directly from the insurance company, you give up your right to have an agent represent you and help you solve problems that may develop.

Service

As your agent:

• Our job is to keep you informed and to help you if you want us to.
• We will keep you apprised of current pricing, benefit changes, and other issues that affect your policy.
• Each year at your renewal, or as you desire, we can compare your renewal rates and benefits with those of other companies.
• We can assist you with service, billing, and claims resolution.
• We will do our best to answer any other questions you may have.