Buying Insurance Online

People still want to talk to their insurance broker. Is there a person on the online website? Should I buy my health and wellness  insurance online. Today, with technology, we can surf the web for any answer. We can click and swipe to buy. We can do virtually anything without touching the keyboard. We have made purchasing so easy. So why do people still want to talk to somebody? That happens often in the world of insurance.

 

We started to realize this a few years ago. Clients want to speak to an insurance broker. They just want to know that there is a real body on the other end of the phone. After talking, they then buy online. Alternatively, they could be walked through an application on the phone.

Insurance is not a mysterious world. However, it is a topic that most do not or care not to understand. Clients sign on a dotted line, pay their premium and except a guarantee. In the future, if called upon, they want that guarantee of help. They want somebody to be there, fix the problem and hand them a cheque. Of course, it is not that simple, but it’s not too far off the truth.

 

What is a contract?
An insurance policy is a contract. In a simple nutshell, a contract says if something happens there is protection. If a home gets damaged from fire, lightning, hail, or a windstorm, it will be repaired. As a result, there is a place to live. In a vehicle accident, the car will be repaired, and there is help with any injuries. If unfortunately, there is death then an insurance company will issue a cheque. All of these are based on the insurance policy details purchased that is the contract.

 

Now with all the “fine details” are out-of-the-way. It can seem simple. So why are people so nervous about buying insurance online. It is the same process. They get asked the same questions. They get the same information, if not more. It’s the same price. They can read and sign a contract online. They can pay for a policy online. In the end, however, they just can’t hit that buy button. So why?

 

Building a trusting relationship
It always came back to one thing. They want to know that there’s somebody on the other end. Trust, or lack of trust, is a by-product of technology we use today. In today’s marketplace, if there is a problem it can be difficult to solve. If a package goes astray, can someone be called and get a quick answer? With most internet or social web sites, it can be challenging to talk to someone. Especially if a question needs immediate resolution.

 

Getting started:

After talking to an insurance broker for that first policy, then buying insurance online process then becomes easy. As a matter of fact, most times clients never need to contact their broker again unless they have a claim. The next year, clients answer a few renewal questions online. They usually never call their broker. Health and Wellness insurance policies renew every year and are paid without question. Clients with the same business needs can renew their policy for decades without ever talking to a broker. So in today’s modern age of automation, computers, and chatbots why would they not buy that first policy online?

 

Insurance is important

Clients believe insurance is very important, even if they don’t understand all the details. They want clarity and understanding. Trust is important. Therefore, why is it unreasonable to want to make sure there is a real live person on the other end of cyberspace. They want a business relationship. With insurance, a service is purchased. If something happens, clients want some help. “I am scared”. “My loved one is injured”. “Please help!”. Clients need a lot of things, but patience in an emergency is not one of them. So yes! Clients want to make sure there is a body on the other end. They want to make sure the phone number they call is not going overseas or is robotic. Getting things right the first time easily is key.

 

The online option

At Ives Advantage Insurance buying insurance online is an option. However, we make sure a broker is available to answer questions in person. With insurance expertise and today’s technology, micro-insurance policies are now available to buy online. Micro policies provide great specific coverage. Business insurance needs are available in a nice neat wrapped package.

 

They usually cost a couple of hundred dollars and have a single function. Check out our pricing for yoga insurance or RMT insurance. This allows for 10-15 policies to be sold a day with thousands being sold and renewed annually. We have combined our insurance expertise with technology.

 

We are still here to help

At Ives Advantage, we strive to make the process as simple, understanding needs and protection against claims. But we are always there to help you in person.

 

We understand that selling insurance with a standard $1 or $2 million limit for a claim can be intimidating. It’s a lot of money. In the event of a claim, for example, somebody getting injured, that’s how much an insurance company could have to pay on someone’s behalf. It’s a lot more than buying the pizza online, ordering a ride or a new pair of socks to be delivered to the front door. Protection is important if a claim happens. If not, it could represent a client’s livelihood.

 

All types of businesses need insurance. People need insurance. They want the advantage to protect businesses and livelihoods. Insurance is always needed if there is any chance of “great loss”. A “great loss’ could be damage to such things as a home, a vehicle, or a business. Or it could be thousands or even millions of dollars due to a severe business or personal accident.

 

Want to buy insurance online for your Health and Wellness insurance, Ives Advantage Insurance Brokers are always available. We are available to discuss business or personal insurance directly with a broker. We want to build that relationship and trust. There is always a person at Ives Advantage behind that technology. Ives wants to provide that insurance advantage.

 

Talk to your Healthy Broker today.

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