What are the advantages of having an agent while purchasing insurance?
By having an agent to purchase insurance, the policyholder receives more personal service. An agent with whom there is direct contact can be vital when purchasing a product and absolutely necessary when filing a claim. A local, independent agent is able to deliver quality insurance with competitive pricing and local personalized service.
What do insurers ask when you apply for insurance? Why do they need so much info?
To fit you into the right program, insurers need to know about you. Personal details like name, age, gender, and address are a must, but they'll also ask questions to gauge your claim risk. Different customers, different programs - basic info helps insurers sort out where you fit.