Insurers, agents and independent brokers have one important thing in common- they thrive in a world that defies common understanding. By keeping knowledge and information in their plush-carpeted circles, one thing is certain- you will buy a product that more meets the needs and profit motives of your broker more than it meets your specific requirements. And, you will almost certainly waste money. Time after time.
It matters not whether you are seeking life, automobile, health, student, travelers, temporary, home owner, renter, disability, HMO, PPO, HSAs, group or individual health, or financial products such as home loans, or retirement vehicles like 401k, Keogh, SEP or IRA plans. You have important unanswered questions. Should you select term life or whole life coverage? Level term insurance or declining term options? Variable life or universal life? Which is best for my family, HMO or PPO plans? Can I get affordable drug coverage? How can I best shelter my income and provide financial security for my family. The greater the options, the greater the complexity. And, with more complexity, the confusion increases exponentially.
Company agents sell and recommend products promoted by their companies and do not offer a true choice of plans from competing companies; brokers offer a greater choice of plans, but push products that provide the highest commission rates. Online websites offer competing plans and a smorgasbord of choices without conveying the information and providing the education you need to make an informed choice. These sellers either assume that you understand the arcane world of insurance, know the plan that best meets your needs and know how much coverage is right for you, or use this lack of knowledge to their advantage!
That is, until now. By accessing einsurance411.com, you can join the ever-increasing ranks of our informed, empowered user base. We at eInsurance411.com provide the information and education essential to you to making the right choices for your specific situation, along with highly researched and recommended sources for all of the insurance and financial products you will ever need. You will also be able to access customized consulting services, based on my 20+ years of professional experience as an insurance executive and informed purchaser.