Home Office
Phone:
(812) 337-7637
Address:
Email:
Hours:
Mon. ~ Fri. 8am-5pm
Follow Us:
Address: 5488 E State Rd 46 Bloomington, IN. 47401
Phone: (812) 337-7637
Hours: Mon. ~ Fri. 8am - 5pm
Email:
Phone: (812) 337-7637
Hours: Mon. ~ Fri. 8am - 5pm
Email:
May 31th, 2017
Confused by Insurance? Who's to blame?
In the end, there was nothing imminent or severely problematic diagnosed. It still was not a great experience. The people were nice, but no one could tell me the price of anything. I was given options, but how can I decide to fix a problem if I don’t have the information needed? I also struggled with understanding foreign phrases and jargon. In the end, I was more lost than helped.
I know I went to the right place and was talking to the people that could help me, but did not make much progress. Maybe sticking my head in the sand and hoping for the best is the answer.
Ever feel this same way when dealing with insurance? We spend a tremendous amount of our monthly budgets to buy something we don’t want (as its use means bad things have happened). We are either required to buy it, or feel obligated to protect our property and loved ones. Or, sometimes we are just willing to trade off the fear of loss for the comfort the protection brings. Still, a lot of money spent, confusing communication and the reluctance to deal with it in the first place, is not a recipe to a good experience.
So, who is to blame for this situation? You, the consumer? The agents? The laws? The insurance industry? The answer is quite simply, yes, all share blame. What, then, is the resolution to the problem?
My thoughts in reverse order-
The insurance industry is slowly changing; forced by marketplace evolution. Be patient here while looking for a company willing to be more consumer friendly. The laws? Well, best leave that one alone for the sake of space and argument.
The agent / agency is critical to the equation. You have the right (and should demand) to be talked to in plain English or, at least, have them take the time to explain the technical words. Exploration of your situation and customized, personal solutions are important to cost efficiency and better end results. Competitive (not necessarily lowest) pricing should be offered. Don’t settle for less.
Your role? Let’s be realistic, claim time is the only time you care about insurance. And, if it is going to be a pleasant claim experience, it will only happen in one of two ways - You were lucky, or you were willing to have taken the time to invest in the buying experience. While no ultimate guarantee of good results, preparation beforehand is the key. And, if you focus primarily on price, you may get what you paid for.
In the end, financial wellness does not come to the unprepared, the unaware, or the unwilling. Health insurance premiums alone can match the cost of a monthly car payment (or even a house payment). Take a look at your budget. Total premiums for insurance may be your largest single monthly expenditure. This area is not to be taken lightly.
Just how critical can lack of proper attention be? Uninsured losses are the number one leading cause of bankruptcy. Combining high risk and high cost, insurance is a critical component to our financial success in life.
Don’t sell yourself short. Invest the necessary time in insurance planning, not just insurance buying. No, it may not be as pleasant as planning for vacations, but a bad vacation is not likely to ruin your life. Ultimately, if you find the right person to work with, it may actually end up being pleasant!
About Us
We are an independent agency providing for all your insurance needs in one place. Our personnel brings over 84 years of combined experience to help you improve your insurance situations and fulfill your needs.
We are a member of the PROES Business Group. This association is a family of companies providing multiple avenues to make your life better. It brings business partners with the right background, experience and expertise to help you with your needs.
Each agent, servicing representative and owner’s philosophy is to combine quality, price, experience and service in every facet of your insurance purchasing experience. We strive to build long term relationships by meeting the needs of our clients.
The various backgrounds of our people help assure we can relate to your situation. Our goal is to help you have the right coverage, at the right price and be satisfied at the most important time – when you have a claim. We understand you are not buying insurance: you are buying piece of mind to protect yourself, your business and your family.
We are a member of the PROES Business Group. This association is a family of companies providing multiple avenues to make your life better. It brings business partners with the right background, experience and expertise to help you with your needs.
Each agent, servicing representative and owner’s philosophy is to combine quality, price, experience and service in every facet of your insurance purchasing experience. We strive to build long term relationships by meeting the needs of our clients.
The various backgrounds of our people help assure we can relate to your situation. Our goal is to help you have the right coverage, at the right price and be satisfied at the most important time – when you have a claim. We understand you are not buying insurance: you are buying piece of mind to protect yourself, your business and your family.