Benefits of using an insurance broker over a direct provider
Is it better to buy insurance from a broker? Think of an insurance broker in the same way as you would a mortgage broker. Calling a bank directly won’t always get you the best choices out there, but a mortgage broker can dig deep and find the best options from all financial institutions for your specific situation. And that’s why it is so important to talk to an insurance broker. They know all the providers, the options and plans, and they are there to help.
When you are looking to buy health insurance, life insurance or any other similar policies, you can do so in one of three ways:
- You could buy directly from an insurance carrier such as Medavie Blue Cross.
- You could buy through a comparison site such as Price Grabber.
- You could buy through a dedicated insurance broker.
Either of the first two options limits your choices; Yes, even on comparison sites, as not every carrier is listed). And, unless you are fluent in policy language, you may not know if you end up with the right coverage for you until it is too late. What’s the difference between an insurance broker and booking insurance directly? Here are some of our top reasons.
Brokers work for you, not a particular provider
Every business needs to make ends meet, but a broker can prioritize your needs. They aren’t tied to a single carrier, allowing them to evaluate all options available and find the right policy for you. They will match your coverage and price needs across a range of providers, giving you the best options available.
Our chosen providers:
Brokers speak in plain English (or French!)
Insurance providers often use terminology designed to complicate the process. This language can provide clarity for legal purposes, but it doesn’t help YOU understand what you’re agreeing to. If you don’t understand your policy, don’t sign it!
An insurance broker will work with you, breaking things down into every-day terms so that you can feel confident signing on that dotted line.
Brokers can help you with the paperwork
We don’t just help you to understand your coverage; we help you set it up and maintain it. Paperwork can be a headache at the best of times. Add in countless clauses, and it can become unnecessarily complicated. Brokers will help you complete your paperwork, whether this is for a first-time policy or a renewal.
Brokers are your secret weapon when you need to claim
We all buy insurance in the hope that we won’t need it, but when the worst happens, you want a solution with the minimum of fuss. Brokers will work with you to complete and submit your claim, making it simple, less stressful, and more likely to go through without an issue. This is often the number 1 reason people cite for why they chose a broker over going it alone.
Your broker will be a friendly face, not an automated system
Insurance brokers are highly trained professionals, but they are also human beings. When you apply for coverage with a broker, you will speak to or meet with a real person who will understand your needs and wants. You can take your time to go through the process and, in many cases, build a great working relationship with a broker you will want to return to time and time again.
We’re here for you when you need us
Making sure you have the right policy and level of coverage can be time-consuming and complicated, but we can make it simple. Whether you have existing policies or are looking to invest in a policy for the first time, our experienced team is happy to help. If you would like to discuss any of our coverage options, either as an individual or a family, please get in touch for a free quote or contact us directly for more information.
Blue Country Insurance – all your protection under one roof… because your health and life matters.