Insurance brokers help individuals and businesses find different forms of insurance, from health to auto to disability. Health insurance and all its related forms, such as long-term care insurance, can be complicated to deal with. If you need to choose an insurance policy, you’ll want to look into working with an insurance broker because you can end up with much better coverage that’s well-suited to your life.
We Sift Through the Details for You
The biggest benefit of working with an insurance broker? They sift through the details for you. Instead of comparing three or four policies yourself, for example, with all their medical terminology, the broker does this for you and can match policies to different issues you may be facing. Maybe you can’t handle a huge premium payment but need good coverage for a certain issue; the broker can search for a policy that offers the best combination of coverage and cost, given what you can pay.
Brokers also know of more ways to reduce the sting of premiums, such as choosing a particular payment schedule. Maybe you don’t have enough now to pay six months’ worth of premiums, but you can pay two. The broker can help you set up the correct yearly payment plan.
Got Questions? We Can Answer Them
The job of an insurance broker like those at Margolis & Associates is to make sure you get the best policy possible. That also means making sure you understand the policy and all its coverage. Call and ask if you have questions, even after your initial discussions with the broker. Don’t assume your question isn’t worth answering, or the broker won’t want to talk to you. Health insurance, especially, can be a life-or-death matter, so make sure you know exactly what the plan covers.
We Help You Find Better Policies for Different Situations
Finding a simple insurance plan for one aspect of your life is time-consuming enough. But what if you need multiple policies? What if you need to find accident and disability insurance in NYC for your employees and health insurance that starts coverage immediately? What if you don’t know whether long-term care insurance is necessary? A broker can take what looks like a tangled mess of needs and find policies and insurance companies that offer coverage that’s as cost efficient and as thorough as possible. They can determine when a regular policy won’t be enough and when you need to add riders for special circumstances.
We Know the Ins and Outs of The Insurance Businesses
Employees want health insurance; it’s a major benefit for them because it’s essential coverage and because group plans tend to have lower premiums and better coverage than individual plans. But if you don’t know how to choose the right combination of plans, you could end up with something your employees don’t like. That can contribute to a higher turnover rate as employees seek better benefits elsewhere.
Brokers at Margolis & Associates know what to look for when evaluating coverage so that they can present the most effective and comprehensive policies for your employees.
We Want You to Find the Right Policy
Insurance brokers on Long Island don’t steer you toward a policy that benefits them instead of you. They want you to find the right policy that you’ll want to keep year after year.
At Margolis & Associates, we want you to be happy with your insurance and feel protected should anything happen. Contact us to learn more about how we locate insurance policies that give you the coverage you want.