As an insurance advisor, I have to recomend coverage that would properly cover you and I don’t know about you, but there is not much you can get done for $25,000 if you were seriously hurt in a crash, not to mention $10,000 doesn’t cover much with the price of vehicles on the road today.

I do have to give props to the state of Wisconsin though,  I just saw an article that the minimum limits allowed by law have been increased from 25,oo0 / 50,000 to 100,000 / 300,000 in the state of Wisconsin.  Not only does this more accurately reflect the minimum policy that one should have in todays dollars, but more often than not depending on what company you are with, there is another company that will give you the higher limits for less than what you are paying for your state minimums.

I guess my point is, just as in all my posts.  Take time to interview the person whos job is to look after your best interest, not the one just trying to sell you a policy on price.

While I do enjoy saving people money, properly protecting them is my first priority.  In most situations I can do both really well, properly protect and save a good chunk of money.

There is never any charge for answers to your questions, an the only dumb one is the one you won’t ask so give me a call (816-254-6100) and let me show you what a real insurance advisor should do.

Until next time

Travis

To my prior farmers clients, I am sorry that I did not get a chance to let you know that I would no longer be able to serve your Farmers policies.  It was my choice, I did not get fired!

Why did I go independent?

For the past year or so, I started feeling stuck.  There were many clients that I wanted to work with, but with the limited products and options that I had available to me through Farmers, the coverage was either too expensive, or I could not even provide the options that my clients were needing.  These were people that I personally wante to work with, but couldn’t because of my situation.   Therefore I made a decision to terminate my contract and find an opportunity where I could decide who I wanted to work with not who the company wanted.

At that time, I left and went fully independent, which is what my health and medicare supplement clients had benefited from.  I had many companies to choose from and finally got away from the “stick everyone in this same box” mode.

Needless to say, it has been much easier to find a solution that works for my clients with the options I have available to me now.  I now have over 100 life insurance companies to find a solution from, over 20 auto and or home companies, around 10 health insurance companies, over 20 medicare supplement companies and around 20 companies who provide commercial insurance.

I am happy to say that I am back to being an advisor and not a salesman.  I can now find a solution!