When finding a credible insurance agent, there are numerous factors to consider, including expertise, experience, ethics, objectivity and independence, and so on. Depending on your exact requirements, the list can be extensive. Many people have placed location at the top of their priority list. But should that be the primary criterion?
The reality is that having a professional guiding you through your insurance options and providing you with policies specific to your coverage and financial needs can be incredibly helpful in the long run.
Because of the ease, interaction, and other benefits, many consumers prefer to work with a local insurance agency. Here are just some of the top reasons and benefits why:
Why Go Local?
- Referrals: Because you will know people who have previously worked with the insurance agent, local networking and word of mouth might be a terrific approach to identifying an agent you can trust. When entrusting someone with your coverage, having a personal testimonial shows that your potential agent is trustworthy. Not only that, but local referrals may often help you identify an agent who specializes in the insurance coverage you need most, whether it’s retirement planning, life insurance, home insurance, or auto insurance.
- Communication: Many individuals prefer in-person contact — particularly older generations who grew up with brick and mortar rather than conducting all business online or over the phone — therefore, a local insurance agent is preferred.
A typical local insurance agent’s perks include being available to address your questions and concerns as often as you’d like at a physical location. In-person meetings can help you clarify your goals if you schedule a meeting and regular check-ins. Every agent is unique, so it’s critical to shop around and ask questions to find someone who suits your needs.
Benefits of Choosing a Local Insurance Agent
Retirement Preparation
Your portfolio must generate revenue for as long as you require it. According to a Society of Actuaries study, a 65-year-old couple has a 60% chance of having one spouse reach the age of 90, spending an average of 20 to 30 years in retirement.
Your insurance agent can assist you in developing a retirement strategy that covers you for the long term and protects you against occurrences that could derail you from your goals while allowing you to enjoy your retirement without financial hardship.
Providing Emotional Guardrails
Working with an insurance agent who cares about you and your needs can help you establish a specific investment strategy based on your goals, time horizon, and risk tolerance. On the other hand, they will make you considerably less likely to respond to complex market situations by making rash decisions.
Improved Wellness
Building a solid financial future with the best coverage possible is essential for your and your family’s health and emotional well-being. With a trusted insurance agent on your side, their goal is to ensure you are protected in the best ways possible.
We Help You Protect What Matters Most
We understand how important it is to find an insurance agency you can trust. Contact Hometown Financial Group today to learn more about how we can get you the best coverage and provide peace of mind!