Purchasing Health Insurance? Why You Should Get Help From an Independent Insurance Agent
Currently 27 million Americans' purchase individual health insurance for themselves and their families according to the 2006 US census study of "Income, Poverty and Health Insurance Coverage in the US".
According to Celent Research, a leading internet marketing firm, more than half of all individual medical insurance purchases are influenced by the Internet.
By 2011, more then 9 out of every 10 individual health insurance policies will be purchased either partly or entirely online.
With more and more consumers using the Internet to at least start their search for health insurance, they are faced with a number of confusing options.
If you do a search for "individual health insurance" on Google, Yahoo or most other online search engines you get pages of websites offering you information and free quotes.
Some of these websites belong to excellent Insurance Companies like Aetna, Blue Cross and United HealthOne.
However, these sites are limited in that they only provide information and free quotes for that company's different plans of insurance.
Other websites are actually just lead generating sites.
They require you to provide your telephone number in order to get your free quote.
They then sell your phone number and other information to numerous marketers often resulting in dozens of phone calls to you trying to sell you insurance coverage.
The third kind of website you will find belongs to Independent Insurance Agents.
Here are 4 Reasons To Work With An Insurance Agent When you consider all the benefits, working with an agent just makes good sense.
According to Celent Research, a leading internet marketing firm, more than half of all individual medical insurance purchases are influenced by the Internet.
By 2011, more then 9 out of every 10 individual health insurance policies will be purchased either partly or entirely online.
With more and more consumers using the Internet to at least start their search for health insurance, they are faced with a number of confusing options.
If you do a search for "individual health insurance" on Google, Yahoo or most other online search engines you get pages of websites offering you information and free quotes.
Some of these websites belong to excellent Insurance Companies like Aetna, Blue Cross and United HealthOne.
However, these sites are limited in that they only provide information and free quotes for that company's different plans of insurance.
Other websites are actually just lead generating sites.
They require you to provide your telephone number in order to get your free quote.
They then sell your phone number and other information to numerous marketers often resulting in dozens of phone calls to you trying to sell you insurance coverage.
The third kind of website you will find belongs to Independent Insurance Agents.
Here are 4 Reasons To Work With An Insurance Agent When you consider all the benefits, working with an agent just makes good sense.
- Agents guide you through the process.
Buying an insurance policy can be complicated.
An agent walks you through each step of the process and helps you make sense of all the insurance-speak.
- Agents offer you choice.
Your agent has a portfolio of plans to choose from, often from multiple companies.
Your agent will know which policy will protect you the best.
They'll even know which company is most likely to accept your application.
- Agents troubleshoot mistakes.
A mistake on your application can cause a company to raise your rates or even reject your application.
Your agent will help you fill out your application correctly so you get the rates you deserve.
- It's free.
This is the best part about getting insurance through an agent.
Agents collect payment from the companies they represent.
So you get all the advice you want absolutely free.