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Started By
Message
Should insurance agents ever review your policies and offer advice?
Posted on 6/10/16 at 8:21 am
Posted on 6/10/16 at 8:21 am
Or, is it strictly up to you to be proactive in asking advice and making any changing in your policies?
13
Posted on 6/10/16 at 8:22 am to Skillet
It's not like they know what the policy says anyways
This post was edited on 6/10/16 at 8:22 am
Posted on 6/10/16 at 8:22 am to Skillet
It's their obligation to do so. If not, find another agent.
Posted on 6/10/16 at 8:22 am to Skillet
A good one should, yes of course.
Posted on 6/10/16 at 8:23 am to Skillet
Agents don't know shite about the policies they sell. If you ever file a claim, get the adjusters contact info. They'll know the most about your policy.
Posted on 6/10/16 at 8:23 am to Skillet
They didn't tell you AIDS wasn't covered?
Posted on 6/10/16 at 8:24 am to Skillet
For a commercial policy, no doubt. Personal lines, I usually let them but I take it more with a grain of salt unless it's a glaring issue. But commercial policy underwriters can sneak in fricky language.
Posted on 6/10/16 at 8:25 am to Skillet
Mine does. Just added a new policy and my rates dropped $120/year, bumped deductibles up slightly. A good agent makes recommendations to give you better coverage and while trying reduce your costs.
This post was edited on 6/10/16 at 8:27 am
Posted on 6/10/16 at 8:26 am to cas4t
These are my personal insurance policies with SF...I never ever hear from him.
Posted on 6/10/16 at 8:27 am to D844
quote:
Agents don't know shite about the policies they sell. If you ever file a claim, get the adjusters contact info. They'll know the most about your policy.
Posted on 6/10/16 at 8:28 am to Skillet
I think it just depends on the type of insurance. What kind of policies are you talking about.
Posted on 6/10/16 at 8:29 am to HoustonChick86
home
auto
life
umbrella
flood...i don't live in a flood zone but i have it anyway
auto
life
umbrella
flood...i don't live in a flood zone but i have it anyway
Posted on 6/10/16 at 8:30 am to Skillet
On these they are long term deals it may be why. However if its been years I would touch base with him and be proactive. But a good agent follows up cause it can be good for both parties.
Posted on 6/10/16 at 8:30 am to Skillet
I meet with mine once a year to go over policies. I think your agent should make an effort to contact you to do the same.
Posted on 6/10/16 at 8:31 am to Skillet
It's a great opportunity for them to sell you more.
Posted on 6/10/16 at 8:32 am to Skillet
Well they are actually sales agents and adjustments usually lead to more commissions.
I am on the opposite side and have to tell people their agent didnt do a good job and they dont have enough or arent covered quite a bit.
A lot of agents get caught up in the initial sale, rather than the correct sale. That later down the road they dont review and reach out to the insured to make changes.
I am on the opposite side and have to tell people their agent didnt do a good job and they dont have enough or arent covered quite a bit.
A lot of agents get caught up in the initial sale, rather than the correct sale. That later down the road they dont review and reach out to the insured to make changes.
Posted on 6/10/16 at 8:34 am to Skillet
quote:
home
auto
life
umbrella
flood...i don't live in a flood zone but i have it anyway
When I worked at SF, we called our clients once a year to do a "Discount Double Check". We would get them in, review their policies, and see if there was any needed coverage, or a coverage that could be dropped. Or they were comfortable with their deductibles or what have you.
Some SF agents, though, are not proactive, and are just "chair-sitting". Since SF Agents don't own their own book of biz, a lot of them are just trying not to die, and really suck at their job. Makes it hard for those of us who wanted to be SF agents, as they were not retiring like they did in years past.
But, yes. Any agent worth their weight should be actively calling and requesting a coverage review annually. Lotta salesmen out there, few actual agents.
Posted on 6/10/16 at 8:36 am to NYCAuburn
quote:
Well they are actually sales agents and adjustments usually lead to more commissions.
Sit back and collect with only a minimal amount of work put in. I should have been an agent. My policies were transferred to this agent when my other one retired. It's not good to switch agents within the same company, right? Or is it?
Posted on 6/10/16 at 8:38 am to Skillet
quote:
I don't live in a flood zone but i have it anyway
Misconception. Everyone is in a flood zone. The difference is the degree of risk.
Posted on 6/10/16 at 8:39 am to Skillet
I had a meeting to get life insurance and went in with a number in mind, just a general "big number" that I thought could pay off debts and provide for my family. Well, hoo boy was I wrong. I needed more than double the amount I first requested to send everyone to college, etc.
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