2007-04-14 21:13:02 · 9 answers · asked by Yohannes S 2 in Business & Finance ➔ Insurance
Offers advise and coverages without regard to the commissions. Returns calls in a timely fashion. Fights for you when there is a covered loss (helps you through the process, answers questions you may have, etc). Reviews policies periodically (most agents have too many policies to do this annually but our office tries to do this at least once every 3 yrs). If independent, compares different companies' products (coverages available) and prices to give you the best "bang for the buck". Tells you about coverages available to you, then lets you make the decision whether to buy (but don't be surprised to sign off on NOT wanting coverage because many people conveniently "forget" they were ever offered higher limits or more coverages when there is a loss that is either not covered - and could have been - or there is not enough coverage).
2007-04-15 04:49:59 · answer #1 · answered by Sue 6 · 1⤊ 0⤋
A good agent listens to your needs and has a process that you can a begining, middle and an end. They are your advocate to underwriters and claims adjusters. They are advisors, meaning they should not just be telling you what you want to hear but giving you all the information you need to make an informed decision because you in the end are the boss. The first time you and the agent meet, they should not be asking you for a check when they leave, this is an interview for both of you, you want to make sure that agent is a good fit for you and they want to make sure that you are a good fit for them and their practice. I would love to help everyone that I come across but that is unrealistic because my style is not for everyone. If an agent does tell you at the end of the first meeting that they don't think they are the right fit for you or you for them, ask if they can reffer you to another agent that they think would be a good match.
2007-04-17 03:08:36 · answer #2 · answered by Anonymous · 0⤊ 0⤋
A good agent sells you the appropriate policies with the correct coverage based upon your particular needs and assets. They f/u with you every 6 months or when your policy renews to see if your needs have changed and adjust your policies/coverages accordingly. A good agent leaves the claims handling to the claims department and doesn't intervene as they know absolutely NOTHING about claims handling and even if they have prior claims handling experience they still keep their mouth shut. (Claims doesn't tell the agents how they should do their job or how to sell insurance and agents shouldn't tell you or them how the claim should or shouldn't be handled.) A good agent knows the correct answer to the customers question and if they don't they admit it and find the answer. A good agent doesn't falsify applications, misappropriate funds, or lie to their customers. A good agent owns up to their mistakes and pays for them when necessary...literally.
2007-04-17 16:01:25 · answer #3 · answered by bundysmom 6 · 0⤊ 0⤋
A good agent will get the best deal for you, and that may not be the cheapest, but it will be the best "bang for your buck." They do not sell what makes them the most money, or for a company that they want to qualify for a trip or whatever. Usually the best agents have no idea how much the companies they represent pay them. We just know that if we do what is best for our client, it will all work out. Basically we work by the Golden Rule - I do for my clients what I would do for myself if I were in their shoes.
2007-04-15 06:08:46 · answer #4 · answered by nurse ratchet 6 · 0⤊ 0⤋
General insurance advice, how things work, and why, when you have questions. Look at the options for coverage, maybe point things out that you didn't notice. Take the time to review what you're asking for, ask questions to make sure it's the right thing for your need.
Plus, an INDEPENDENT agent will compare several policies/quotes to get the most coverage/best pricing for what you need.
2007-04-15 02:30:59 · answer #5 · answered by Anonymous 7 · 1⤊ 2⤋
Return calls the same day.
Follow up weekly on claims status
Don't turn down new business because "it's a small account" (sometimes these grow to bigger accounts)
Make an effort to"accomodate" your client.
Offer others lines of business. "account round"
Show an interest in the client. ie: his hobbies etc etc.
Be honest.....it's worth it!
2007-04-15 02:06:46 · answer #6 · answered by DFK 3 · 1⤊ 1⤋
Hires staff to run and work an agency and sits back and collects commissions or goes golfing.
2007-04-15 14:05:31 · answer #7 · answered by MARK S 2 · 0⤊ 1⤋
Will do the work properly
2007-04-14 21:23:59 · answer #8 · answered by prem d 1 · 0⤊ 1⤋
Be there when you need him.
2007-04-15 10:12:54 · answer #9 · answered by TedEx 7 · 0⤊ 0⤋