WHY SHOULD I USE AN INDEPENDENT HEALTH INSURANCE BROKER?

Independent insurance brokers represent you, not an insurance company. They are licensed by the State, but unlike agents that represent an insurance company’s needs, independent brokers work for their clients. They usually represent several different insurance companies and can search for the policy that best suits the client’s needs and interests.

What About the Cost?

One question that often comes up is the cost of working with a broker. There is absolutely no cost to the insured if they choose to work with an independent broker. YOU WILL PAY THE SAME PREMIUM WHETHER YOU BUY DIRECT FROM THE INSURANCE COMPANY OR WORK WITH AN INDEPENDENT BROKER.

How Do Agents Get Paid?

Independent brokers and agents are paid commissions from the insurance company. This commission is included in all premiums. If you purchase your insurance policy directly from the company, the commission is paid either to a captive agent or the insurance company gets to keep the commission, rather than paying it to an agent.

What Are the Different Types of Agents?

There are three main types of insurance agents:

·        Captive Agents work for one specific insurance company and can sell you a policy only for that particular company. For example, local offices for Nationwide or State Farm are captive agents. They may only sell policies from those companies. If the policy does not fit your needs, they may not go out and search for a policy from a different company.

·        Telephone Agents are also captive agents and work specifically for one company. The difference is they usually work from a “company” location and do not have an office or come to your home. The entire process would be handled via telephone and mail.

·        Independent Agents and Brokers represent numerous insurance companies. They have the ability to research and find a policy that fits individual needs and can offer several different quotes. They can research insurance policies based on price, coverage options and service.

What Makes Bailey-Enterprises a Good Choice?

Bailey-Enterprises will research several different health and life insurance companies to find the best program for you. They will take into account your needs and your budget and provide you with several proposals to choose from, explaining each one in detail to make sure you understand your options completely.

Bailey-Enterprises serves both individuals and groups by providing services for:

·        Health Insurance

·        Life Insurance

·        Medicare Supplements

·        Long Term Care

·        Annuities

We always act as your agent and look after your interests.  Your satisfaction is what determines our success.  We, therefore, will work hard to make sure you are satisfied with your coverage, your price and the service you receive.

How Can You Receive a Quote?

There are a number of ways you can receive a quote for insurance:

·        Complete a Request a Quote on our website. Someone will be in touch with you to find out further information and to provide you with quotes from several different insurance companies.

·        Some of the companies we work with allow you to complete an application for insurance online. You can complete the application directly from your computer.

·        Call George Bailey directly to discuss any questions or concerns you may have. George can be reached at (610) 322-2295.

·        Email George at georgewbailey@comcast.net to request further information

Thank you and we look forward to providing you with the service you deserve.