The independent life insurance and group benefits agents provide an invaluable service for businesses and families throughout Ottawa. When it comes to buying individual life insurance or the benefits of a group for your company, you have various options.
There is the option of direct contact with the underwriter (or bank) or through an independent agent. Both sides will claim they’re offering the best price, So what’s the difference?
The primary difference between an independent insurance agent and group benefits agent, and a direct writer is that the latter agency is for the customer and not the carrier. Ottawa Life Insurance’s only goal is to help you find the right insurance plan for you. Like many other direct writers and banks must sell insurance from their headquarters. Does this look like they’ve got your best interests at heart?
While both direct writers and independent agents share the same objective of providing insurance protection for your earnings, the only separate insurance or group benefits agent will be able to offer you a range of options from a variety of suppliers. Since Ottawa Life Insurance Benefits does not have an exclusive partnership with any insurance firm, we can offer an extensive selection of insurance products from various sources.
An independent company like Ottawa Life Insurance enables small companies to benefit from a large purchasing capacity for their group benefits. As with anything you purchase in larger quantities and bulk, the greater the amount you are buying, the more affordable it will be. You do not get the exact pricing structure or insurance coverage as a giant or smaller company.
We are here for our clients, rather than a huge company that is only worried about increasing profit percentages during the next quarter. It could be a significant distinction when it comes time for you to file a claim.
Independent agents can help you navigate the difficult job of getting the correct quantity of insurance. Since we have various choices available and we can handle any of the most challenging accounts that direct writers would never even consider.
Are you interested in knowing more about how an experienced life insurance representative can offer you more excellent options and solutions? Call us today at (613) 454-1424 or mail at info@ottawa-lifeinsurance.ca.
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