Independent Agencies Are The Way
How does one find a whole life insurance agency near them? Someone that you can reach out to that you can meet with if you want to? And in terms of getting your life insurance set up, to get the best whole life insurance, at the lowest cost?
The best approach is to go through an agency. You want to have an independent agent, an independent agency, not a captive agency. Captive agencies are those that only work for one life insurance company. You are really shooting yourself in the foot if you do that. Because they’re only pricing one company you’re missing all the competition out there that can get you a better deal and a better price.
So, you want your life insurance carrier to have competition because that gets that price down.
With a captive agency there’s nothing they can do. They can’t negotiate with you. They can’t say, “Oh, well, it’d be 20% off because we have competition.”
But what having an independent agent does is it opens up all these other competitive programs in front of you and gets the prices down because now you’ve got all these different companies, all these different programs that are priced differently.
They offer different options, so you want to have an independent agency that is going to be shopping for you, connecting with a plethora of different life insurance companies to get you the best coverage for the best price. That’s how it works now. Not all agencies are created equal.
In fact, there are huge differences in the quality of service that you’re going to get from agency to agency. And there are huge differences in the number and the types of insurance companies that they contract with, that they can shop for you. So just because you’re going to a life insurance agency where their website looks good, they may only have one or two or three or six
life insurance companies that they are pricing and shopping for you. And there is no guarantee that they’re going to be an A-rated life insurance company. It is crucially important that you get an A-rated life insurance company.
Don’t Settle for Anything Less Than an A-Rated Insurance Company
What you want is an independent broker and a life insurance agent or agency to shop all their companies that they have access to. They’re all A-rated companies. This is not the rating of the agency. This is the rating of the companies that they work with.
They’re able to pull whole life insurance policies from at least 10, if not 20 or more life insurance companies across the country so that you can get paired with the lowest possible price.
So it saves you money. Your agent takes the pressure off, works with your budget and gets the quality of your insurance to go up because again, competition is good.
It’s a very good thing for you. And then the last thing is coming full circle to what this video is about in terms of getting a whole life insurance agency near me near you. This part that’s a little bit tricky. If you require an agency to be in your back door, again, it’s like shooting yourself in the foot.
It’s better to choose an agency that has agents everywhere because then you have an agent that’s accountable with that company that can meet with you, if you need to,
Protect With Insurance Agents Are in 30 States
This is what we do with Protect With Insurance, our agency. We have agents across the country right now. We’re servicing 30 states throughout the country.
If someone wants to meet with our agents we can arrange that. It’s not difficult. We’ve got our headquarters out of Arizona, but we have agents across the country, at least in those 30 States. As we get more agents, we will expand across the country. So right now we just service the states where we can have face-to-face with clients0 that need that in-person service.
Otherwise, we’re doing most everything over the phone, which is beautiful. It’s good for everyone, With COVID19, there’s a lot of concern with face-to-face meetings.
So this is a very easy way to square that away and get everyone what they want.
How Do We Find A Good Agency
Whoever you choose is great as long as they are not a captive agency working for only one life insurance company.
Protect With Insurance is here to answer all your questions and find you the best possible whole life insurance company offering the best policies at the best prices.
If you want to bounce ideas off us, then please feel free. If you want to get a quote from us and have us recommend a couple agencies, we can certainly do that for you.
Honestly, there are a lot of bad agents out there. That’s just the sad truth of it. A lot of bad apples nowadays. So you have to be really careful.
As a life insurance agency, we really pride ourselves in our service and dedication to our clients.. Everything you’ll see on our website is true. Our client comes first. You’re not a customer, you’re a client and this is a lifelong connection. So we will always ready for your phone call.
Call us up. You’ll have an agent that is dedicated to helping you for life. That’s a very important part of our business model. So we hope to hear from you because we like to help. That’s what we want to accomplish. That’s the real deal. There’s no smoke there. So, we hope that we hear from you and we would love to take care of you.
Alright. Stay safe out there.