The most common question that people have when they are shopping for insurance is whether they need health insurance. In fact, it’s one of the first questions asked by potential customers when they go to a local agent or broker. The problem is that many people don’t know how to answer this question in a way that will make them look good and help them get the insurance they want. Here are some tips on how to answer the question about whether you need health insurance:
Tip #1: Don’t say that you don’t need it.
You may think that if you say that you don’t need health insurance, then you won’t be pressured into buying it. However, this isn’t true at all. People who don’t have health insurance are often more likely to be pushed into buying it than those who do. The reason is that many agents and brokers work on commission, so they will often push you to buy something that you don’t need just to make money.
Tip #2: Tell them that you’re going to buy it anyway.
If you tell an agent or broker that you are going to buy the policy regardless of what he says, then you are telling him that you aren’t interested in his advice. This is not a good idea, since agents and brokers are there to help you find the best insurance for your needs. If you don’t want their help, then you should find another agent or broker.
Tip #3: Say that you’ll buy it if they can give you a better deal.
Sometimes, agents and brokers will offer you a better deal on insurance if you buy it from them. They might offer you a lower rate on your current policy, or they might offer you a better deductible. If you say that you’ll buy it if you can get a better deal, then you are telling them that you really don’t care about their advice. You are simply trying to get a better deal.
Tip #4: Ask if they can give you the information you need to compare policies.
Many agents and brokers will be able to provide you with the information that you need to compare policies. You should ask them if they can give you this information before you decide whether to buy their product. If they can’t, then you should find another broker or agent.
Tip #5: Don’t let them pressure you into buying the policy.
When you are getting insurance quotes from different companies, you should try to avoid letting agents and brokers pressure you into buying their product. They may tell you that you can’t get a better rate elsewhere, or that you can only get the policy from them. These claims are usually false, so don’t believe them. If you don’t like their advice, then don’t buy their product.
Tip #6: Ask them if they can help you find the right insurance company.
You should ask your agent or broker if they can help you find a reputable insurance company. Most agents and brokers have relationships with several companies, so they can usually help you find a company that will give you the coverage you need at a reasonable price.
