An insurance agent is someone who will manage your
insurance policy for you, as well as deal with any insurance
claims that will pop up during the course of the policy's
lifetime.
Insurance Brokers
An insurance broker is someone who is paid to know your needs,
and do research for you, into the best suitable insurance
company for you. The Insurance broker keeps on top of your
needs, and provides you with service, such as claiming and
updating your insurance policy, all for a set fee that was
pre determined.
The problem with insurance agents and brokers come in when
you are either financially strained and cannot afford insurance
brokers, or your claim is not handled properly, because the
insurance agent is not aware of your exact needs and specifics.
The broker can also not be clued up in the industry, which
provides another problem. Communication errors can step in,
as well as total unawareness of what is happening in the industry
and with the items you have insured.
That is why many insurance companies these days have decided
to deal directly with the public, without the use of a middle
man, such as an insurance agent or insurance broker. The client
deals directly with the insurance company, so there is no
chance of miscommunication, extra fees or any of the likes.
Insurance Agents and Insurance Brokers do have benefits as
well though. Some of the benefits of using the agent or broker
is that often times, insurance policies are very complex and
hard to understand. The Insurance Broker or Agent understands
these policies and can help you. Sometimes people don't have
time to use a broker or agent. With important decisions such
as life cover for example, it is important to get someone
who knows about these things to advise and assist you. They
can make the right choice for you.
In the end, it is up to you whether you want to use an insurance
broker / insurance agent or not. Just make sure that whatever
you do, or whomever you use knows what is happening, knows
about the policies, and knows that you will get good service
from this insurance
company you are insured with. After all, making the wrong
decision could leave you stranded for life!
For more insurance options:
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