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Good Agents Help Seniors
(NAPS) - Despite the availability of the Internet and new direct selling options, it can
still take a good insurance agent to provide valuable help to America's seniors as they plan
for the future.
"There's no replacing the agent when it comes to finding solutions for your financial
needs," says Scott Perry, president of Bankers Life and Casualty Company, a national
insurance company specializing in serving the needs of seniors. "Plain and simple,
insurance can be complex and confusing. Not getting qualified help can be costly-not only
for you but for your family as well."
Good agents can provide value to seniors with their:
Insight.
Agents can help you confront life's realities and determine the insurance
products that best meet your needs.
Knowledge.
Agents, especially those who have expertise with seniors, are uniquely
equipped to understand your distinct lifestyle and changing financial and healthcare
needs. They can help you easily understand and evaluate options, saving you from having
to research products and obtain premium rate quotes yourself.
Ongoing assistance.
Relationships with good agents can not only pay off now, but in
the future, too. After the purchase, agents can assist with policy questions and
claim matters. Through regular reviews, they can ensure that your insurance coverage
keeps pace with your changing needs.
Good agents are out there.
"It's not hard to find a good agent," adds Perry, whose company has a nationwide
career agent force. "However, consumers should carefully consider their choices to
ensure a good fit and to get the maximum benefit from the relationship."
The Insurance Information Institute notes that good agents are key to buying the
right amount and type of insurance at a rate that fits your budget. Among the things
on the Institute's list that signal an effective agent:
Solid background - Your agent must be licensed by the state insurance department.
Understanding - Your agent should ask the right questions to understand your financial
situation, including your attitudes about risk, as well as personal situations that might
impact decisions about your financial goals.
Easy to work with -The agent should explain, in terms you easily understand, issues,
options and how the coverage complements your financial program. You should never feel
pressured into making a decision. Instead, your agent should work with you until you're
ready to make a decision that's right for you.
For more information, visit www.Bankers.com
and click "Senior Resources."
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