Buying Disability Insurance Directly from Companies
People often wonder if they can simply contact a company and purchase a disability insurance policy directly from them.
The answer is “no.” Let’s say you shop around for disability insurance online and decide you like XYZ company. You then contact XYZ company and tell them you would like to purchase a disability insurance policy from them. The home office does not have any agents or brokers who work at the home office. They will ask you where you live and direct you to an agent or broker that works in the field.
It is important to find a broker or agent who is experienced and you feel comfortable calling over the years as your situation changes or if you have a claim.
The rates are the same whether you contact the company directly or work through an agent or broker. Unless the broker has a special discount. Otherwise, the distinguishing factor is your comfort level about who you choose to work with.
For more information about buying disability insurance online, contact Set for Life Insurance today!