www.brokersmakingadiffernce.com

Q & A:  Why Partner With An Independent Agent?

  • Why should I go through an independent agent?  Why not buy directly from the insurance carrier?
  • Will I be pressured to buy a specific brand or plan?
  • Will different agents offer different rates for the same health insurance plans?
  • What types of insurance and other services does Holcomb Insurance Services offer?
  • I want to get a price quote for insurance.  What do I do?

Why should I go through an independent agent?  Why not buy directly from the insurance carrier?

With an independent agent, you get knowledgeable advice and personal service for no additional cost. 

Knowledgeable advice
Insurance decisions can be complicated, so it helps to have an expert to listen to your needs, answer your questions, and walk you through your many options.  Whether you need an HMO or an HSA, long-term care or short-term disability, premium coverage or just the basics, your agent will help you understand your choices and make the right decision for you. 

In some cases, your current coverage may be the best option, and we'll tell you that.  A good agent will advise you well – even if it doesn't result in a sale that day.  We'd rather earn your trust and build a relationship than make a quick sale that isn't right for you.

Personal service
A good agent doesn't just sell insurance.  Our most important role is to provide excellent customer service.  When you have questions about your plan or problems that need resolving, your agent's job is to take care of your needs.

When you buy directly from the insurance company, it's up to you to research and get answers to your questions or problems.  When you partner with an independent agent, you have an expert on your side who will work with the carriers on your behalf – saving you time and stress.

No additional cost
That's right.  Whether you buy directly from the insurance companies or through an independent agent, the price you pay for insurance is the same.  So why not take advantage of the expertise and continued support your agent will provide?

Here's how it works.  Most of the major insurance carriers do not employ their own agents.  They rely on independent agents to handle sales and service.  Agents receive sales commissions from the carriers, but this does not affect the price you pay.  And, because an independent agent represents many different carriers, we are under no obligation to promote one brand over another.  Our obligation is to help you find the best plan that suits your needs.

Will I be pressured to buy a specific brand or plan?

Absolutely not.  Your independent agent will show you several options and help you weigh the benefits of each choice according to your needs.  Independent agents gather information from many different insurance carriers, so there's no pressure to buy a specific brand.  Your agent's goal is to find the plan that fits your needs, whether you need individual coverage, a family plan, or the right benefits for your employees.

Will different agents offer different rates for the same health insurance plans?

No, you should not experience this. Each year, the insurance carriers must file their health insurance rates with the Georgia Insurance Commissioner.  The rates are the same whether you buy directly from the carrier or through any independent agent.This means you shouldn't have to shop around for different rates for the same plan.  Instead, you should look for an agent who provides the best service.

What types of insurance and other services does Holcomb Insurance Services offer?

Holcomb Insurance Services is your one-stop source for:

  • Home
  • Automobile
  • Business liability
  • Workers' compensation
  • Commercial automobile
  • Health
  • Dental
  • Vision
  • Disability (short-term and long-term)
  • Life
We can also bring in our network of experts to assist you with:
  • Long-term care
  • Financial planning (retirement, investments)
  • Payroll services
  • Workplace benefit packages
  • Health Reimbursement Accounts (HRAs)
  • Flexible Spending Accounts (FSAs)
We serve:
  • Small Businesses (2-50 employees)
  • Large Businesses (51 or more employees)
  • Families
  • Individuals

I want to get a price quote for insurance.  What do I do?

You can request a quote from Holcomb Insurance Services right now.  Simply click on the Quoting Tool to fill out and submit your application online in just a few minutes.  Matt Holcomb will contact you with further assistance within one business day.  You may also call Matt directly at (404) 658-0111 or send an e-mail to matt@holcombinsurance.net