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Are You Being Held Captive?

9/17/2015

The 411: Independent Insurance Agents vs. Captive Agents

There are two primary types of insurance agents: captive agents and independent agents. What's the difference? A "captive" agent represents one insurance company and can only write policies for that company. This means they are limited exclusively to their company's coverage plans. Sounds like a pretty captive situation if you ask me.

An independent agent on the other hand represents several different insurance companies; they are able to source from a variety of reputable national and local providers. They have the flexibility to offer a broader range of options at highly competitive prices, so you get a personally tailored plan to suit your needs and budget. Best of all, they are able to offer unparalleled and unbiased advocacy to their customers, from quote through claims. Now that's more like it!

Everyone has a unique situation. At ALINK Insurance Services, our Trusted Choice® Independent Insurance Agents are here for YOU. As your needs and your life changes, you can switch coverage, and companies if necessary, without finding a new agent.

Shopping for insurance is our job. Let our independent insurance agents handle the leg work for you. Request a quote today!

Denver Metro/Parker: 303-752-6479
Colorado Springs: 719-473-6262
Greeley: 970-475-0900
Surrounding States: 877-643-6148

We're your link to security!

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Life Insurance. Don't Wait.

9/1/2015

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September is Life Insurance Awareness month. Too many Americans do not have adequate life insurance protection. According to the industry research group LIMRA, 95 million adult Americans have no life insurance whatsoever.

Ask yourself this: What if you were suddenly gone and your family had to manage on their own? When was the last time you did the math to make sure your loved ones would be financially sound? Have you checked with your employer to find out what kind of life insurance benefit you have through work and whether you have the option to increase your coverage? When was the last time you had your life insurance needs reviewed by an insurance professional?

Here's the bottom line: A majority of families either have no life insurance or not enough, leaving them one accident or terminal illness away from a financial catastrophe for their loved ones.

Life insurance can do some pretty amazing things for people. It can buy loved ones time to grieve. It can pay off debts and loans, providing surviving family members with the chance to move on with a clean slate. It can keep families in their homes and pre-fund a child’s college education. It can keep a family business in the family. It can provide a stream of income for a family to live on for a period of time. First things first, though: you need to own life insurance.

ALINK Insurance Services wants to make sure Americans are reminded of the need to include life insurance in their financial plans. We are joined in this educational initiative by more than 100 of the nation’s leading insurance companies and industry groups, this is important, people! Don't wait until it's too late. Give us a call today to discuss your life insurance options, we're your link to security!

Denver Metro/Parker: 303-752-6479
Colorado Springs: 719-473-6262
Greeley: 970-475-0900
Surrounding States: 877-643-6148

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Are You Being Held Captive?

Life Insurance. Don't Wait.

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