Jangan politikkan isu air - Sultan Selangor
Broker of Health and Life Insurance NY - 4 Crucial Truths New Yorkers Need to Know Before Signing
Have you noticed how many places in New York are now offering insurance products? It's crazy. Besides the myriad of online companies, you have your neighborhood agent, regional brokers offices and it has now reached the point to where even our supermarkets are peddling life, health and even auto policies.
With all of these options available to New Yorkers the choice of where to shop for perhaps the most important purchase of a lifetime is more confusing than ever. Before you make the leap one way or another here are some critical factors you need to consider.
1. Lowest Cost Consideration
You are being bombarded daily with marketing ploys to get your attention and get your wallet as well. You can't even turn on the TV without being pitched with an ad from some direct insurance company and even our inboxes are getting spammed from some less than reputable sources.
The fact is that marketing costs money and that money has to be covered with enough sales to create a profit for the company. This means that if you purchase your insurance from a company that is spending hordes of cash to get your attention then you are going to be paying more in premiums just to cover their advertising budget.
2. Broker Direct Quick Quotes
It is an undeniable fact that online insurance sites are a great way to find low cost quotes. The reason is that you are not getting quotes from just one source or agency, however deciphering what separates a good policy from a bad policy is often very difficult. If you are less than certain of your understanding of financial contracts then it may be wise to get a good broker on your side sift through insurance databases and get a great price on a policy that will serve your loved ones well. And it goes without saying that a broker can save hours of phone calls and inquiries
3. Live Help
One thing that most people fail to take into consideration is the ability to talk to a real live human being when things go wrong. It can be a very frustrating experience to be in a life crisis and have to wade through layer after layer of automated response phone services, or email based support.
Big insurers are choosing these automates services to lower their operating costs, but as a customer talking to someone in another country or battling through language barriers are not what we need when dealing with a critical topic like insurance.
If this is a consideration for you then an insurance broker may be the best option. They can offer a real voice to talk to who already understands your needs and can help you through confusion quickly and safely.
4. Insurance Budget Killers
What insurance savvy consumers know is that it is the extras that can destroy the benefits of a cheap quote. The fact is that most cheap insurance policies have hidden costs that are designed to get the profit ratios up to where they can pay for advertising costs.
One example is the add on legal cover that many companies try to sneak in and when you are looking over a dizzying array of numbers and legal jargon, it is quite easy to pass over these budget breaking extras. A good broker will sit you down, look you in the eye and discuss each section so that you understand exactly what you are getting and how much you are paying for the benefit.
