In today's world people can enroll in a health or life insurance policy on-line any time. Or you can respond to an advertisement you see on television, hear on radio or receive in the mail. There's always an 800 phone number to call. It all sounds so easy and convenient, but it could be one of the biggest mistakes you make. Why? Because you are making a very important insurance decision with people who are not interested in helping you do anything except purchase the policy. And that's a huge issue. At some point during the life of your insurance policy you will need help.
With health insurance there may be many times when you need the help of an agent. It may be that you received a medical bill you don't understand. You may not owe it. Do you pay it or not? Who do you call for help? You can't call the internet. Do you call 800 number you called to purchase the policy? NO - they are only there to sell you something. They will not answer any questions or help you in any way. So you call the policyowner service number on the back of your insurance card. That may be an interesting experience for you. Some insurance companies outsource their policyowner service departments. So when you call you may reach someone overseas who barely speaks your language and has no real power to help you. Even when insurance companies don't outsource their policyowner service departments and you can easily understand the person on the phone, they can only go so far. They will not call the doctor's office or hospital billing department and help you understand the bill or claim. You have to do it yourself. And that may be a nightmare. Many times these departments are also outsourced. Too often the person in the billing department has no real interest in helping resolve your problem. Most often you will be told you owe the bill, pay it or they will turn it over for collection. And many times policyholders end up paying a bill they do not owe. Who gets blamed? The insurance company usually gets blamed. You think you purchased a bad policy. The actual problem is you purchased a policy without having an insurance agent you can call. An good insurance agent will be there to help answer any questions and help you resolve any problems you are having. A good insurance agent will make the calls for you. A good insurance agent will resolve your problem. A good insurance agent services every policy they sell.
With a life insurance policy you may have very few issues because there is only one claim with a life insurance policy, the death claim. But at some point you may have questions about your coverage. If you purchased your policy on-line, or by calling an 800 number or through the mail you do not have an agent. Calling someone to answer your questions is nearly impossible because they were only there to sell you something. They are not there to offer you help after the sale. A good insurance agent will be there to answer your questions and help you with any changes you want to make. When you pass away your life insurance policy becomes your beneficiary's issue. Many times your beneficiary is a loved one. Without an agent you unknowingly left them the problem. Most people do not know how to file a life insurance claim. You need a good insurance agent who will help your loved one file the claim when you pass away.
A good insurance agent will always be there for you. You will have a phone number you can call and the agent will help you with whatever question or problem you may have. A good insurance agent is as valuable as the policy you purchased. In times of stress like sickness, injury or death you and/or your family will want someone to help. So while the on-line or 800 number world may be convenient, nothing is as valuable as a good insurance agent when you need personal help.
Brad Stover and Candy Grimsley are two good insurance agents. We write business in the Virginia. You can make a personal in office appointment with us or you can call us and schedule a telephone appointment. Whether or not we meet face to face or over the phone we will always be your agent. We will answer all of your questions and help you in any way we can. So call us to schedule an appointment today. Our number is 540-465-2937. We will return you call within one business day. Be informed. Make good decisions. You will be blessed.