You
know you
need life
insurance but you are new to
the purchase and the whole process.
If you're like most people, you go
online and check out some sites...maybe
run a few life quotes. Who owns
these sites and what do they get out of
it? Most are life insurance
brokers like ourselves. Let's look
a little closer at what you can expect
from a professional life insurance
broker like us and what to avoid.
People use the term agent and broker
interchangeably with life insurance.
They're pretty similar in terms of how
they work. There's a slight
distinction but it shouldn't really
impact the consumer. An agent
essentially works on behalf of the
carriers but if they're independent (and
not "captured"), the net effect should
be the same. A broker works on
behalf of the client but still must have
contractual obligations to the carriers.
It's probably 6 or half a dozen but the
real issue comes down to the agent or
broker in question. Now that we've
gone through the semantics, let look at
what's really important with a life
insurance broker or agent.
Coming from second generation life
insurance brokers (please...hold the
applause...or snickers), like with any
profession, let's start with competence.
You have good and bad with any
profession and life insurance brokers
are no exception. Let's face
it...some are just really new to the
business and will be good brokers later
on. Insurance and especially life
insurance is so complicated, convoluted,
and multi-variable dependent that it
really takes some old fashion time and
energy spent in it to give good advice.
I personally attest that there times
early in my career that I just didn't
know of some wrinkle or option in a
given situation. It all worked out
well in the end but experience really is
key to understanding life insurance
options. Also, there are some
people who just don't want to keep up
with new products, changes, and
strategies as it pertains to comparing
life insurance. Again, this is
true in any profession and I'm sure you
know a few people you work with that
either make you sigh or turn red.
Competence. Knowing what
questions to ask, knowing what life
insurance options address your needs,
and then competently guiding the process
to a successful conclusion. In
a nutshell, that is what you want from a
broker and our core strength at
etermlifeinsurancequote.com is solely
focused on these three goals.
Impartiality, honesty, and fairness are
equally important in your life insurance
broker. If you're like me (maybe
I'm a little suspicious by nature), my
first thought in any purchase is whether
the person helping me is acting in my
best interests. I don't know the
world of frigerators, carburetors, or
home mortgages. Is that really the
best option for me at the best price or
are they pushing this particular option
because they get some kind of bonus,
need to run down excessive inventory, or
just don't want to take the energy to
really investigate what's best?
Tell me that's not exactly the fear you
have when making a new purchase.
Again, maybe I'm too skeptical but it's
a legitimate concern that results from
many transactions where the above was
not in my favor. So let's set the
record straight.
We
will try to find the best priced
life insurance
plans to best address your
needs PERIOD. If you read through
our
term life
insurance articles, you can
see that we're trying to give you the
upper hand in the whole process of
purchasing life insurance. Life
insurance companies and a lot of life
brokers love whole life...we don't.
We don't think it make sense due to its
cost. You'll see that focus on
YOUR interests on every page of our
site. We are paid like travel
agents so the rate is identical to you
whether you go through us with our
wealth of knowledge or direct to the big
(should be in caps)
life insurance
company. There's no
incentive to us if you go with one plan
or carrier or another so we'll try to
find the best one. In fact, to
back this up, our term life insurance
quoting engine puts the power in your
hand and parses the best priced plans
for your requirements instantly.
I'll be honest...we could make more
money recommending whole life insurance
but it's not in your interest...so we
don't do it. We take the
responsibility of being your life-long
life insurance broker seriously and we
feell it begins, continues, and ends by
our acting in your best interest.
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