Our Process is Fast, Simple, and Easy
We make it easy for you to get information, quotes, and insurance policies put in force. We don’t waste your time with boring and unnecessary sales talk, playing on your intelligence.
We work with clients that actually have a genuine interest in working with us, and we do it in a way that is not invasive, deceitful, nor pressured. This is why we have an “A+” rating with the BBB (Better Business Bureau).
Take a quick look at our process.
When you speak with an agent the first thing that will happen after the initial greeting will be for our agent to collect some basic information from you. We do this to not only stay organized as a business, but also to make sure we have your most accurate information to better serve you.
We further obtain your basic information to make follow-ups easier. For example, an agent may have to call you back with the status of a policy you applied for or an updated quote from a carrier. And if you ever have to call us back we can have notes from the previous conversation recorded so you won’t have to waste time going through the fact finding process all over again.
Lastly, we’ll need to know why you’re calling to make sure you’re speaking to the right person that will best help you.
This stage does not take long and the questions are pretty basic such as your name, phone number, email, etc.
This stage involves you and your agent working together to determine your exact insurance needs, your potential risks you should consider covering, and the best available insurance coverages you qualify for to best eliminate your risks.
For example, if you are a parent with a child or with multiple children, a potential risk is the threat of the loss of income you currently use to provide for your children’s care and lifestyle should you become gravely ill and have to stop working or pass away untimely.
Another key stage in the process, the information shared with your agent at this stage will determine which carriers and products your agent offers you in the next stage, Product Selection.
Once all information is gathered and your needs are understood, your agent will start your quote. Your agent will only quote carriers and products relevant to the information discussed in the first two stages so we recommend that you provide as much accurate information as possible.
Prices of products presented will also be based on the previous information you provided. We don’t like wasting our client’s time so our agents will only present the best products at the best prices that will closely match your anticipated budget, which will be determined in the Needs Assessment stage. No back and forth necessary. You get the best prices the first time around.
Once you are presented with your quote you will have the option to stop there, or move forward to the next stage, Application Submission.
This is the last stage of the process that involves the agent transferring all of the information gathered, including the insurance quote, to the actual application for your insurance policy.
The time for each insurance application varies based on the carrier’s application length but tend to be between 30-45 minutes on average; this process can be shorter or a bit longer if more information is needed.
Best Practices For A Speedy Application Submission
To ensure you get through this stage as quickly as possible we recommend having these pieces of information handy when you call, or once you decide to move forward with the application:
- current valid driver’s license or state I.D.
- all medicines currently prescribed
- bank account and routing number
- valid debit card
- all relevant social security cards or social security numbers or green cards
- all relevant dependent or beneficiary information
Once the application is submitted you will generally have an answer almost immediately after. If more time is needed by the carrier’s underwriting department your agent will let you know and follow up with you once he or she has an answer from the carrier. But again, coverage is generally immediate.