We explain, in understandable terms, how insurance works for you.
We explain, in understandable terms, how insurance works for you.
There are about 410,000 brokers and agencies in the US with about 911,000 licensed life and health agents. Some work in large agencies. Some work solo.
Of those, some are licensed in most states. Some a few. Some in only one. Some represent lots of companies. Some a few. Some only one. Some sell all kinds of insurance, some specialize in a few types, some only one.
Lots of variations. So, too, variations in competency among agents, agencies and companies.
By statute, agents (aka producers and brokers), who work independent of or within an Agency, are professional credentialed entities with states. They are licensed by, appointed by, trained by, certified by, overseen by and disciplined by, the companies they represent, and by each State they are licensed within, and, depending on product, the Federal Government. All of these entities have oversight and charge Agents/Agencies to be lawful and ethical.
The ethical standard, in simple terms, is to fit the insured to the best insurance for them in their circumstances.
However. Either intentionally or otherwise, not everyone behaves to the designated standard.
The local Agent/Agency tends to be lawful and ethical because it's harder to hide. Others maybe not so much.
Your Agent/Agency, meaning the one designated as your Agent Of Record, has Standing which means they can communicate with the company on your behalf.
One of the values of an Agent/Agency is their experience in dealing with companies and insurance information. A high level of understanding of insurance complexities and how insurance works.
Always, by statute, all Agents/Agencies/Companies offer the same products at the same pricing within the same geographical locale. No discounts. No hidden fees. No one-off special perks.
Always, by statute, all Agents/Agencies/Companies offer all of their services at no charge to the beneficiary. Always. Companies pay Agents/Agencies to service insureds.
So. Here is DavidTomRankin Insurance. One of many. Easy to see. Easy to find. Easy to contact. Easy to work with. Easy to talk with. No voice menus. No high pressure. No hidden agendas. Should you choose to become our client, we become a local, easily accessible source. We've been in the insurance business for 27 years…the Medicare products business for 16 years.
Should you decide to enroll through us, we become your Agent of Record with Standing to help you should you have issues with the Insurer. Or. You have questions. We have answers. Or. We'll'll get them for you. We speak truth. We do not lie. We do not misrepresent. We help. We educate. We inform. We do our best to be a good steward of the industry and a steward of your best interest. And, as noted above, we work for you, at no cost. Ever.