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What Is Insurance?

risk

Many people think insurance is a product like a car, home, or boat. It is easy to think of insurance as a product, but it is not. You can use and touch a boat or car every day. You spend money; then you get to use it, see it feel it. It’s not so with insurance. You can hold the policy and look at a bunch of words on the policy explaining coverages, risks, and exposures. Yet it just isn’t the same as a test drive. When you select an insurance program, you may never see it or use it until you have a claim. Then you will fully understand what we are saying.

Insurance is designed to protect you from unknown and unexpected accidents and losses. That is why it is so important to understand what you are buying before you do.

Insurance becomes tangible only when you have a claim; then, it becomes very real. At this time, you hope the policy delivers as promised.

Here is why we educate rather than sell.

  • Educated buyers make better decisions.
  • Insurance policies are not all created equal. Insurance is not like a commodity; insurance companies offer many different kinds of policies; these offer coverage you may need or may not need. Why pay for insurance you don’t need? Or worse, you paid for coverage you thought you had but didn’t.
  • Many insurance policies are filled with coverage gaps. These are areas where you need certain coverage, but the policy may not provide it. A coverage gap may also be having policy limits or deductibles not designed for your needs. An agent acting as your advisor can help you identify these gaps and offer solutions.

Give me a call and let talk about how we are different and can help you understand your insurance purchase with clarity. I want to earn your trust.

 

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