Insurance Policy Forms: Ignorance of The Commodity Perception


Click on link below to read this Small Business Trends article by Ryan Hanley. He points out a very common misconception that insurance is just a commodity and it is all about the cheapest price. (Which by the way, also applies to "Individuals" shopping for insurance policies as well and not just for "Business" insurance.) Although he kind of rants and raves in his article, he does have a very good point. Insurance is not all about price, even though price is one of the major considerations, it is not the only thing to consider when purchasing insurance. Other important factors to consider, including things that he may not have been mentioned in the article are:

  • Your agent & the insurance company's customer service. (Does your agent take the time to explain things to your satisfaction. After the policy is sold, are they going to be there to help you, if needed?)
  • What the actual policy includes, or better yet what it may exclude.
  • Find out the rating of the insurance company you pick to help determine if that insurance company will be there when you need it most.

http://smallbiztrends.com/2012/11/insurance-policy-forms-commodity-perception.html/print/


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Note: Life Insurance information can be confusing to many people. As an "independent licensed agent" I can explain things to you in simple terms so you feel comfortable making a decision. Then I can help you choose a life insurance policy, from many choices of different insurance companies, that you feel fits your needs. Plus if you choose to work with me you will have personalized service by a local agent that can shop premium quotes for you. If you would like my assistance to discuss and/or start the process of getting you insured please call me at 941-404-5334. 


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