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IPS / Lighthouse Insurance Group Blog: insurance agent

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Insurance FoldersFlat out, the most important insurance-buying decision you will make is the selection of your insurance agent or adviser. Your agent's level of expertise can make or break you at claim time.


When you have to make a major claim, you'll no longer care about whether you got a competitive rate. You'll want to know only one thing: Is my claim covered? If you have an expert agent, chances are excellent that the answer will be yes.

The interesting thing is that the price of having an expert agent and a better-designed insurance program is a whopping zero dollars! All agents work on commission. A knowledgeable and capable agent is paid exactly the same percentage as an agent with little or no expertise.

People shop insurance the wrong way. They compare prices for the (wrong) coverage they currently have, and end up with whichever agent gave them the quote -- usually not an expert.

The right way to shop for insurance is to look into the expertise of the agent first and then have the agent shop the right coverage for you. Don't be concerned about the quality of the company your expert agent recommends.

How do you shop for an insurance agent? Referrals. Ask people who have good financial heads on their shoulders to refer you to their agents. Get two or three names and simply conduct interviews. Have the agents tell you how they'll go about determining the coverage that's right for you. You'll know whether a particular insurance agent has the expertise you're looking for before the interview is over.

If you want to check on a particular insurance company, go online to check the insurer ratings provided by A.M. Best Co. Make sure the company has a rating of A, A+ or A++.

At INSURANCE PLANNING SERVICE, we take education and professionalism seriously.  Each of our customer account or service representatives is licensed and has earned one or more educational designations that require continuing classroom updates so that we remain on top of what is happening in the insurance industry.  
We're here to assist with your insurance needs.  Call us at 800-220-5582 or contact us online today!  


Trusted ChoiceTrusted Choice ® agencies are insurance and financial services firms whose access to multiple companies and commitment to quality service enable us to offer our clients competitive pricing, a broad choice of products and unparalleled advocacy.

As a Trusted Choice ® agency, we are dedicated to you and are committed to treating you as a person - not a policy.  This commitment means we shall:

  1. Work with you to identify the insurance and financial services that are right for you, your family or your business and use our access to multiple companies to deliver those products. 
  2. Guide you through the claims process for a prompt and fair resolution of your claim.
  3. Help you solve problems related to your coverage or account.
  4. Explain the coverages and options available to you through our agency, at your request.
  5. Return your phone calls and e-mails promptly and respond to your requests in a timely manner.
  6. Provide 24/7 services for our customers, offering any or all of the following: emergency phone numbers, Internet account access, e-mail and call center services.
  7. Use our experience and multiple company relationships to customize your coverage as needed.
  8. Commit our staff to continuing education so they may be more knowledgeable in serving you.
  9. Treat you with respect and courtesy.
  10. Conduct our business in an ethical manner.

We pledge this to you, our clients, and ask that you let us know if we fail to meet our commitment, so we may take corrective action.  Call us at 1-800-220-5582 or contact us online today!

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Lighthouse Group Main Office in Grand Rapids, MI
Mailing Address | P.O. Box 530009, Livonia, MI 48153

Phone: 734.421.9900 | Toll Free: 800.220.5582 | Fax: 734.421.9911

Also serving these Detroit area communities in Michigan: Livonia, Farmington Hills, Ann Arbor, Southfield, Plymouth, Canton, Westland, Northville, Novi, Dearborn, South Lyon & Walled Lake