5 Reasons To Call Your Insurance Agent

Nate Crosby |

Working With an Insurance Agent 

Insurance can be complicated to navigate – that’s why you have an agent! As your life changes, your needs change, and having an agent that you trust to talk through what coverage is best for you goes a long way. 

Agents play a pivotal role in the well-being of individuals and businesses. As a knowledgeable intermediary between the insurance company and the policyholder, your insurance agent provides invaluable guidance and support. They help you understand the complexities of insurance products, including life, health, auto, and property insurance, ensuring that each policy is tailored to meet specific needs and circumstances.

One of the primary benefits of having an insurance agent is their expertise. Insurance policies are often filled with details that can be overwhelming. They assess risks, recommend appropriate coverage levels, and ensure that there are no gaps in protection that could leave you vulnerable.
One of the biggest benefits is their personalized service. They take the time to understand your unique situations, goals, and concerns, and provide a level of customization that online or direct purchase methods cannot match. This personalized approach extends to the claims process as well. In the event of a claim, an agent can help advocate on behalf of the client, if needed. 

Another critical aspect is the ongoing relationship. Insurance needs can change over time due to life events such as marriage, the birth of a child, or purchasing a new home. A dedicated agent conducts regular reviews and updates to policies, ensuring that coverage remains adequate and relevant.

Here are 5 reasons you may want to give your insurance agent a call:

  1. Policy changes – modifying coverage in response to significant life events such as buying a new home, purchasing a new vehicle, getting married, or having a child.
  2. Coverage questions – these may be things like what your insurance covers, premium costs, and payment processing. Your agent should also periodically review your coverage with you to ensure it remains adequate.
  3. Advice – your insurance agent can be particularly useful for advice on how to best protect assets, whether it's choosing the right policy type or selecting coverage amounts.
  4. Risk management – they can offer guidance on how to lower risks and better manage premiums – this could be things like installing a home security system or taking a defensive driving course. 
  5. Help with claims – while you’ll need to work directly with the insurance carrier, an agent can help navigate the claims process. 

The bottom line is that your insurance agent offers expertise, personalized service, and continuous support which makes them a great resource for managing risk and understanding your policy. If you’ve had life changes or it’s been a while since you called your agent, make it a priority to reach out soon – you won’t be disappointed. If you’re interested in becoming a client or already an existing client of Crosby Advisory Group or NMD Insurance, reach out today for an insurance review with our team of specialists. 



Disclaimer: Crosby Advisory Group, LLC provides financial planning, business growth strategies and Insurance protection. CAG is a registered investment advisor. Investing involves risk including the potential loss of principal. Consider all risks before investing.