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 EBay feedback policy?
If an eBay seller leaves neutral feedback with a buyer, can the buyer in return leave negative or neutral feedback?
Additional Details
so can a buyer leave negative feedback if the ...


 What is the a good medical insurance?
i am basically on my own on this even if i am married but i don't know any medical insurance names except tri care. please help me name one for me so i can look into it. thankyou
A...


 Kitchen unit collapsed on me. Who's liable?
I live in a rented flat in London.

Last night, as I routinely opened the kitchen cupboards, the whole unit started to fall and nearly collapsed on me.

The unit is destroyed as ...


 Should I sue the other driver, or his insurance company?
Sorry this is so long, but I wanted to give enough details for folks to give an informed answer.

I was driving Thanksgiving morning when another car blew through a red light and destroyed ...


 Will home-owner's insurance cover a dog attack?
My friend owns a house. His friend, who lives with him and pays rent, owns a pit bull who also lives at the house. Today, the pit bull got out of the back gate and attacked a passerby and another dog....


 If vacation time is given after a year, is it after a year of your hired date or after your 90 days probation?
after 90 days we get paid 5 vacation days. i was told after a year your vacation starts over. i put in my request to take vacation 2 weeks ago, it got approved, but now they are saying that i dont ...


 How can I convince my young adult children to buy life insurance and save for their retirement?
Too often I see people have deaths in their families and then they have to ask others for the money to bury them and also the surviving spouse and children have to find a way to get that income ...


 House insurance via the net?
anyone know of a real cheap house insurance company, by phone or net (but it'd be easier by the net), that you can pay weekly or monthly cos i was seriuously ripped off by 'direct line'...


 Home Owners Insurance Policy Refund?
I am looking to get a home owners policy with Homesite. They require a 25% down payment and monthly payments. I am thinking I might want to change policies in 2 or 3 months. If I cancel will I be ...


 Have any tips on taking the Life & Health License test?
Its for Missouri, but Im sure any tips from other state exams would help. T...


 Laws In VA for Pit Bull owners?
Does anyone know of any laws that I should be aware of before I get this breed... a link to the laws would be nice, I cant find anything...
Additional Details
My landlord is my boss and ...


 If I get insurance free through my work?
who can I put on it? My kids and hubby I'd assume at least that is what is allowed at my BIL's work but I also have a step-daughter can I put her on it too or not since she is not my ...


 Can parents recieve insurance money of any kind if they find their child is psychotic in any way?
Band: Suicidal Tendencies.
Song: Institutionalized.
Last words in song: "It doesn't matter, the insurance policy's about to run out anyway".

I'm having ...


 If you get life insurance, do you have to tell the beneficiary?
I am changing the beneficiary for my life insurance from my aunt to my sister. Do I now have to inform my sister? What happens if I don't inform the beneficary? will the be contacted somehow?...


 Health Insurance in NC?
Recommendations for Health Insurance in NC for adult and Child. Any good experiences with service and cost?...


 Help with finding Life Insurance after death of a relative?
My nan has died recently and we knew she always said we did not have to worry when she died as her funeral costs are all paid for. We obviously never asked her for the details but now she has died ...


 Best insurance for retirees?
can you tell me the best health insurance , full coverage for the most reasonable price.. something tried and ...


 I'll start CU Boulder for fall semester.I'm looking for helath insurance.Do you know any good insurance?
I'm alone.28 years. looking for good and affordable health insurance in Boulder.Some body told me about Kaiser and Anthem ,but I have no idea about those. Maybe another company have better ...


 Why do health insurance companies deny life ins coverage to people who have a history of malignant melanoma's?
I was just denied life insurance coverage due to a health history of malignant melanoma = 10 years ago, 2 squamous cell carcinoma's = 5 years ago, and 3 displastic nevi removed 6 months ago by ...


 What is it called when you switch insurances and were being treated for something not covered under new insure
I remember when I got my new job and my old insurance company sent me a letter so the new insurance would cover my stuff. I had a gastric bypass under my old insurance that covered it. My new ...



Raza A
Insurance broker or internet?
is it better to use a insurance broker to buy insurance or use the internet. im asking this because im thnking of becoming an insurance broker but im afraid i'll just get replaced by the internet
                     
 




Parrish D
Broker!

insurance = protection

you want someone to hold accountable, someone to see and someone with good referrals, a history and a promise to stay there


Insurance Pickle.com
Rating
I'm an insurance broker that sells on the Internet. EhealthInsurance, SelectQuote, etc...are all just insurance brokers (albeit...much bigger) that sell on the Internet. They have no advantage on price and consumers that buy through them are not taking advantage of adding a financial resource in their corner for free.

If you could choose between using a good CPA and doing your taxes yourself for the same price it'd be kinda ridiculous to take it on yourself. In our industry the price is the price. The consumer has to realize the advantage of dealing with a 'smaller' broker to get that boutique service and expertise that a large, online broker can't deliver.

AND, the car insurance business is MUCH different. Going direct in the life & health business is the same price as using an agent, broker, etc.... The consumer saves nothing going through the Internet or direct.


Anne L
Rating
The internet can be nice in some sense however its not the only way to go. I actually use the internet for leads and such but I go and personally meet with clients. I love it. They really enjoy it as well. They all have my personal cell phone number and know that they won't have to go through and automated system. This obviously is not something some of the major companies do but it works for me and my company and is rewarding more than just financially.


Ontario Insurance Broker
I am a broker and get many clients who were clients of online insurers. The level of service, help, personal attention, level of caring, etc, is lacking at online companies. It's easy to buy at an online company but if you have a problem it is more difficult to resolve.

If you deal with a broker you know the person you are buying from. They know you and your situation. And you know where to find them!

So there is a place for you if you are good with people.

Regards


anaise
There are lots of insurance brokers in every community. And there are also what is called "direct" internet providers such as Geico and Progressive. Lots of insurance brokers sell Progressive, but its also offered for direct purchase as well. A broker gets commission to service his clientele. A direct purchase doesn't include a commission which is why the cost is lower than at a broker. But, with a broker, clientele get details, get quick service, get claims questions answered, get one-on-one information and the staff goes to bat for you on any issues: payment, changes, etc.
Direct: you get lower rates; and you go to bat for yourself! So when you get placed on hold for over 30 minutes searching for a service rep., and then you get an automated service instead, which includes claims problems, payment issues, etc., this is where lots of folks of running into troubles.


aaron p
Rating
Well, I think if you approach being a broker as a business instead of a job, you'll be better prepared for it. Other businesses have been around and are still around after the internet. There will always be some new idea or method of doing business, but being prepared for it is what's important.

What ever business model you choose, you have to figure out what unique value you offer, and who that value is most appealing to. Or you can figure out who you appeal to, and then find something unique to offer them.

Good luck.


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