FAQs
- What should the customer know about your pricing (e.g., discounts, fees)?
As an Independent Insurance Broker, I don't control pricing. I shop for the best pricing available for a particular product. Fortunately for you, I am appointed with multiple large Insurance Companies to source through. Working with me, I prevent you from getting on a bunch of unwanted emailing lists and receiving a bunch of unwanted spam calls from you trying to search on your own. However, I have 3 serious recommendations: 1. The longer you wait, the higher the price. That's just the nature of the insurance business because risks increases over time. 2. Buy protection that you can comfortably afford. Don't over stretch... You can always upgrade later in life if you choose. 3. Something is better than nothing. Having some protection is better than no protection when considering your loved ones. So, decide and protect your loved ones NOW. Finally, pricing is not static in the insurance industry and Agents do not have any control on this. We simply just stay in tuned with who has the better pricing at the time. Because of so many different measurable levers used in the industry and the many different Companies out there, they can go up and down, even with the same Company. However, in recent years, they seem to only be going up. However, generally speaking once you lock in a price, it will never increase, even as you get older. This is why it is best to obtain your policy NOW.
- What is your typical process for working with a new customer?
The majority of my Clients I work with remotely using video conferencing tools. I still believe in looking people in the eyes when doing business. I also can secure most required signatures electronically. There may be rare occasions where we may use fax or snail mail or I may need to travel and come to see you in person, but these are very rare and unique circumstances. So, essentially to start the process, I'm required to ask a number of intrigue questions to determine requested needs, suitability, and to narrow down to the specific policy options available to you based off your answers. This will include financial and medical questions. For a number of reasons, you should be honest in your answers here. Once we determine appropriate policy types that you are suitable for, I will explain the Insurers' pricing and benefits to you. At this point, once you decide on the policy you desire, we'll submit the application for approval. The Insurer's underwriting team will review for approval. Once approved, you'll make your first premium payment the Insurance Company. At that time, you are covered and you have a 30 day free look period. The average time for this to be completed with most Clients is about 1-2 hours. However, some cases can go sooner and some can go later. This depends on how smooth the underwriting process goes based off the information submitted and investigated.
- What education and/or training do you have that relates to your work?
I have been an Asset Protection Professional for 30 years. My first 20 years ended as a Corporate Executive. I helped Corporations save millions of dollars by mitigating against risk and minimizing losses. As a result, these Companies were able to increase their profits by the billions year after year. I am now bringing that same mindset helping families and small businesses secure and protect their legacies promoting generational wealth in their family downlines.