What Makes a Great Insurance Agent?

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What Makes a Great Insurance Agent?

When you are shopping for any type of insurance, you are going to want the help and advice of someone who understands the insurance business and who is truly interested in helping you protect yourself rather than making the most money. Unfortunately some insurance agents are in the business for their own benefit and will not tell you when you are paying too much or are buying insurance that you simply don't need. I am a former insurance agent, and I have seen the best and worst. This blog is about noticing red flags when it comes to sneaky insurance sales people and about finding the signs of a truly good agent.


3 Questions To Ask Your Agent Before Buying Travel Insurance

One of the best times of your life is when you decide to take a trip. Planning your vacation can be a lot of fun and allow you to make the most of your time off work. However, the key to avoiding several unwanted situations that may arise could involve getting travel insurance. Doing so may allow you to have more peace of mind and it's ideal to know the right questions to ask your agent to help you prepare.

Question #1: If you have an injury during a high-risk activity will your insurance cover the medical costs?

There's no doubt that you may do many things on your trip that you wouldn't typically do at home. For instance, have you ever dreamt of going skydiving or flying in a hot air balloon? If so, you may want to take the time to schedule these fun events during your vacation. It's a good idea to check with your travel agent to ensure you will be covered if you were to be hurt during this time.

Question #2: Can you see any medical provider while on vacation?

The last thing you'll want to do is get treatment and not have your medical bills paid while you're out of town. It's important to check with your travel insurance agent to see what doctors or physicians you'll be able to see. Don't assume you can walk into any hospital or doctor's office to get medical help and your travel insurance will pay for it because this may not be the case.

Question #3: Is there a deductible you must meet?

When it comes to most insurance policies, such as your health, auto or homeowner's coverage, you will need to meet a deductible before a claim may be paid. However, this is typically long-term insurance, and this may be part of the reason this is necessary. Since travel insurance is only short-term coverage, it's important to understand if there is a deductible that's in place and how much this is before purchasing it.

Making sure you feel confident before hitting the road on your vacation is a great thing to do. This can allow you to have the most fun and get the absolute most from your trip. Meeting with an insurance agency in your area and getting all the right answers could be the key to having the vacation of a lifetime!

For more information, contact a company like United Counties Insurance Group.