Developing a Relationship with your Insurance Agent

Should You Buy Insurance on the Internet?

 Since the onset of the Internet, there has been a tremendous increase in the number of people who opt to buy products online. This can be convenient when you know exactly what you want, but may not always be the best route when more information—or even advice—is needed. While many consumers frequently buy commodities like CDs, books and clothing on the Internet, some shoppers harbor concerns about purchasing financial products, such as life insurance, online. While the Internet can be a valuable resource for information and comparison shopping, it does not replace a face-to-face meeting with a trusted insurance professional.

 The Value of a Relationship
 In general, many people have mixed emotions when it comes to inputting personal information into the Web, especially information pertaining to insurance and financial products. Some people worry that their privacy will be violated once their information is entered into a Web site. An additional issue for people is accountability: In the event that a claim is made and not satisfactorily met, whom can one talk to? With an Internet purchase, there is not always an identifiable person to back up the sale—nor a salesperson to stand behind that purchase. Insurance and financial professionals are trained to build strong bonds with their clients. They offer guidance and make specific recommendations, as well as provide up-to-the-minute information about new insurance and financial products.

 The Internet as a Research Tool
 This is not to say that the Internet can't be a valuable resource for research and comparison shopping. In fact, the Internet is emerging as a major educational tool for consumers, presenting the opportunity to learn about insurance and financial products and prices online—and at your own leisure.

 An Agent's "Added Value"
 The added value of an agent's in-depth knowledge and personal touch has been shown throughout the history of the insurance and financial industry. The benefits of a personal relationship with a trusted agent are tenfold—not only because of the complexity of many insurance and financial products, but also because of the important needs which such products meet. After all, what could be more crucial than issues of life, death, health, taxes, estates, retirement and inheritance? The Internet is an astonishing informational tool—but is still no substitute for face-to-face contact. By talking with an insurance or financial professional, you can find the insurance and financial products that best meet your specifications, and tailor it to your ongoing lifestyle and needs.

For more information on insurance and other financial products that can be used to help you prepare for your future, please contact Mary L Stockton at 858-623-8945.

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