保險代理人是否需要？
保險代理人是否需要？
 You can buy most types of insurance without an agent. But it doesn't save you any money. You pay the same. The agent is someone who understands a lot more about insurance than you do. He helps you avoid mistakes. When people are left to their own choices they make huge mistakes with insurance. In fact they tend to put huge importance on BRANDS of insurance rather than the specifics of their policy. That's a huge mistake. You can buy without an agent. And I am an agent so I might be biased but if you show me 10-people who bought insurance without a good agent I can show you 10- people that I can give much better choices to. The problem is most agents are less than 1-year on the job and only know a little more than you do. When you choose your agent the first thing you should ask is how long they have been a full time insurance agent. Over 5-years is good. Less than 2-years is real bad. Let them learn on other people. Also ask if the are independent or work mainly for one company. If they work mainly with one company, that's not good unless you don't care about price and value. Your agent is free for you. Interview several. Fire them if they don't fit well with you. Use them to your benefit.
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