 Health Insurance? |
| My fiance has medical covered at his job, but i am always afraid that he might lose it, or that we won't have medical when we need it. I'm not on his medical yet, but as soon as we get ... |
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 Vision or dental insurance? |
| should I get vision or dental insurance? I can only choose 1 from my employer because it goes by a points system. i have glasses and contacts for my eyes and i also have a dentist that i go to ever ... |
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 Pregnant/Health Insurance question? |
| I recently just found out that I am pregnant (6 weeks!). I also just found out that my department, including myself, may be getting laid off due to a recent merger. I know about COBRA but it may not ... |
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 Im confused. Im signing up for supplemental life insurance through my employer and the provider is metlife. ? |
| They are offering that as well as voluntary AD&D. The AD&D says it pays benefits in the event of death due to accident or disabling injury. So are they saying that if my death is a result of ... |
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 Why play sick when you're about to be laid off? |
| I'm from Europe and can't understand why somebody in America would do this. I saw it in a TV series where a woman was expecting to be laid off and this prompted her to seek expensive ... |
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 If you were injured 5 years ago can you still sue someones homeowners insurance? |
Additional Details
The deal is that i hurt my lowerback lifting a cement bag on my brothers,father-in-laws property,and a bunch of my family members thought that it just wouldn't ... |
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 Insurance scam.?? |
| I believe that my insurance company is trying to rip me off by not paying up a reasonable amount to re-imberse me for a flooded kitchen.. They have offered a derisory amount and don't seem to ... |
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 HELP! Car Insurance!!? |
| I know theres no "cheap" car Insurance... but anyone know any Insurance that an 17 year old can aford.. ill be 18 in a week... but some people want up to 5,000 every SIX months! i have no ... |
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 How do I become an Insurance Agent? |
| I am only 18, I know young. And i will be graduating this year. I live about an hour from Chicago and would like to be hired by a company there. I am debating about going to college, but my ... |
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 Loans and insurance ? |
| Got a letter today about the bank not having proof of insurance on my car which I paid for with a loan. It is dated the 19th, today is the 27th, so I got it 8 days after the sent it. It says they�... |
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 Are you as astounded as I about the bailout of AIG? |
I know its an economic move that must be done, but it annoys me that taxpayer money is used to rescue a situation created by irresponsible deg regulation and greedy selfcentered crooks.
A... |
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 What does Term Life Insurance mean with no surrender value? |
| If I had a 15 year Term Life Insurance at $100,000. with no surrender value. What would it be at the end of 15 years. Can I collect the full amount on this type of insurance?... |
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 My insurance company paid for services at a certain level and say they paid too much, and want a refund.? |
They covered me at the same price for over 13 visits and now say I owe them.
Additional Details
They say it was their mistake. Why should i have to pay them back? If I knew it would cost ... |
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 Auto insurance says they are terminating me for late fees, but I paid them already? |
| I have mercury insurance. I always pay my bills early. I paid them on the 29th of February, bill due on the 3/1. I just got a terminated letter in mail saying that my auto insurance is ending on the 2... |
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 Disability Insurance? |
| I'm looking to purchase Disability Insurance and am having trouble trying to figure out the legal language. Are there any suggestions on what company to go with or are there major loopholes I ... |
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 Will home insurance cover a wet cell phone? |
| I have a cell phone that I just dropped into the pool. My cell phone insurance won't cover it, will home insurance cover it?... |
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 Which is the best life insurance policy in USA.? |
| I am student and I wish to take an insurance policy so that my parents could benefit from it incase of any bizzare circumstances happening to me. I am not a citizen of USA, I wish to stay for ... |
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 Health Insurance? |
I'm doing an assignment on health insurance and I wanted to know why is it a good thing to get health insurance?
T... |
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aaron p | All Agents and Brokers....? |
How do my fellow insurance agents and brokers feel about people using the term "agent" to refer to any insurance sales person? Is this 'no big deal' or is it a 'wrong that needs to be corrected?' |
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Clarifinancial.com
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No big deal. Most people don't care about the words we use and there are better ways to describe the differences.
http://www.clarifinancial.com |
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Tom Z
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Aaron,
The general public uses the terms broker and agent interchangeably without much regard to the difference between the two.
But from a legal standpoint the terms have significant differences that set the relationship between the customer, the salesperson and the company.
So it is not a wrong that needs to be corrected it is, instead, a legal relationship that defines your duties and obligations to the respective parties to the contract. |
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Bon Voyage
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Personally it doesn't bother me. Most of my clients have a hard time understanding deductibles and policy limits. So to try and explain the difference between an agent and a broker would just be a big headache. |
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Rat Nana
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I don't think its a big deal. If I always worked in the capacity of a broker it might bug me, but certainly not enough to say something about it. |
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LesElle
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Years ago I was an agent with Farmers Insurance Group. I've been a broker for 20 years. The difference, from my perspective, is that an "agent" represents the insurance company to the insured or prospect. A "broker" represents the insured or prospect to various insurance companies. I'd rather be a broker.... |
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Barbara B
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As an 'agent' we have to remember that our primary obligation is to the company or companies we represent. We are their agent. My contract and my duty is to the company. So I would think agent would be the correct term for a salesperson. I must agree with the others that have answered this question that to the client (i.e. the public) it would just be more confusion. |
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mbrcatz
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It doesn't bother me.
It also varies by state. Some states issue an agent's license, some a broker's license, some a dual license.
I suppose as long as you don't say, "that monkey lady in a weird suit" I won't get offended. |
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