Welcome back to the newest edition of our “How Insurance Works at its Best” series! In today’s blog, I want to discuss something that is somewhat simple… but… very powerful at the same time. And that is exactly what the title of this post is – the difference between an insurance agent and an insurance consultant.
An insurance agent looks a lot like what you expect and know when you talk to an insurance professional regarding your needs. They have a smiling face and could not be happier that you decided to call them regarding your insurance needs. They have your best interest at heart will do everything in their power to get your exactly what you are asking for. They do it as efficiently as possible, get you an affordable premium, and try not to bog you down with too many small details. In essence, they are giving you exactly what you want in your insurance buying experience.
Now… what does an insurance consultant look like? And what is the difference between them and an insurance agent?
Well, they look pretty similar believe it or not. They’re both happy you called, have your best interest at heart, and will place your insurance as efficiently as possible. The major difference, though, is that the consultant will do their best to give you exactly what you NEED. They will take the time to uncover things you were not thinking about when you initially inquired about insurance. The insurance consultant understands that the small details that the agent did not want to bog you down with are often times the most important part of your insurance policy. This back to our last blog, when the agent did not take the time to ask more questions regarding their contents and the potential implications of such. Those small details are often what leads to the perception that “insurance is a scam.” If we do not take the time to advise our clients on the minor details of their policy, that could lead to a large uncovered claim and a very upset client!
Trust me, I know how unpleasant the insurance experience can be. But consider this… would you sign a mortgage agreement without first having a professional take the time to understand the contract? An employment contract? A rental agreement? Etc.? This is the closest comparison to what is asked of an insurance professional on a daily basis. Remember, your insurance works best when you are transparent with your insurance professional and they take the time to truly understand your needs.
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Written by Robbie Korth
If you have any questions, please feel free to contact Robbie Korth at email@example.com