Finding insurance can be an unpleasant and trying ordeal that can leave people feeling uncomfortable and even cheated. Unfortunately, for many Americans, and those living and residing in the state of Colorado, this is a sad fact. With the forthcoming changes in healthcare insurance policies, it is now more important than ever to ensure we are given honest and straightforward facts about insurance policies and without having to try to navigate the clouded and rocky waters of trying to compare insurance quotes on one’s own (talk about cruel and unusual punishment). Fortunately, for us this is where insurance brokers come in, and there are varieties of qualified, experienced, insurance brokers in Denver and surrounding areas who are able to help us find our way.
Included are some answers to some very common questions about the world of insurance brokerage.
What is an Insurance Broker, and Why do I Need One?
In essence, an insurance broker is an intermediary between you and the insurance companies. They represent your interest and seek to work for you on your behalf. In Colorado, like elsewhere throughout the states, insurance brokerage is subject to regulation and those in the field have to be licensed and must periodically meet continuing education standards in order to renew their license. These certified professionals are also responsible for assessing the worth and legal validity of insurance policies, this is why it is important, when seeking out potential insurance brokers in Denver that they are qualified individuals.
What is the difference Between an Insurance Broker and an Insurance Agent?
The most important difference between an insurance broker and an insurance agent is that insurance agents affiliated with the insurance carrier (that is to say the organization or company that is offering to provide insurance coverage in exchange for a premium) and not the person who is seeking to acquire an insurance plan or package. Those previously mentioned insurance agents in Denver are there for you, they are on your side.
Great, so whom do you recommend?
In terms of insurance brokers Denver, there are definitely some options available.
A well-established Denver insurance broker agency is here at Mountain Insurance Brokers . We have been offering insurance services for over 10 years. We are an independent, objective organization that is able to deliver competitive service and push for the best insurance rates with insurance companies in order to meet your needs and provide you with the best coverage options.
A Final Note
With all of the media coverage and recent news of the insurance changes approaching with regards to healthcare reform, it is fair to say that there will be some profit-seekers out there who are hoping to take advantage of the situation. This is why it is especially important at this time, to be sure that we are all getting a fair deal from the insurance companies. This means working with certified and professional insurance brokers in Denver or within greater Colorado who can assure you that you are getting the best quotes on the best insurance coverage available.