Finding an insurance broker is one of the first steps you should take when protecting you and your family from the unexpected. The right insurance broker can help you secure the best rates and ensure your insurance package best serves your unique needs.

If you’re searching for an insurance broker in Delaware, be sure to ask these questions to make sure it’s the best fit:

1. What can you do for me if I encounter an issue with the insurance company?

Although insurance is there to help us, many insurance companies don’t always make it easy for people to access certain benefits. For instance, you may encounter a roadblock when trying to figure out if a certain procedure is covered. If you’re a small business owner who is responsible for figuring out the fine print for your company’s plan, you may face even more challenges.

This is why it’s so important to choose an insurance broker in Delaware who is your advocate. Brokers know the ins and outs of insurance, and they have the expertise to help you navigate logistical issues with your insurance company. Be sure to go with a broker who is dedicated to helping you make the most of your policy by hosting informational meetings and more.

2. How many insurance plans do you have access to? What’s your process for finding the best plan for me?

Everyone has different needs, which is why selecting insurance shouldn’t be a one-size-fits-all approach. If you’re older and have a number of health conditions, your insurance needs will likely be much different from someone in their early 20s. Or, if you’re planning on starting a family, you probably want a plan that offers excellent coverage for maternity care and newborn care.

As a result, it’s best to go with an insurance broker in Delaware who can cast the widest net possible. With a wider range of options, you are much more likely to find an insurance plan that best suits your unique needs.

For instance, as an experienced broker, I focus on helping my clients find every type of plan they need, from health insurance to life insurance. After learning about my client’s needs, I use a proprietary platform that analyzes thousands of data points from many different plans to find the best fit. This allows me to create custom-tailored plans for every type of client and budget.

3. How is the renewal process handled?

For most insurance plans, the renewal process begins about 45-60 days before the renewal date. That said, the best insurance brokers will take a more proactive approach. Specifically, your broker should be gathering information, getting competitor quotes, and reviewing relevant data ahead of time. This will put him or her in the best position to negotiate renewal rates on your behalf.

Seeking a trusted insurance broker in Delaware? Contact Murray Sterner

I’m an experienced insurance broker who provides personalized services that you and your family can rely on. While I’m based in Hunterdon County, NJ, I’m also licensed to provide services in Delaware, Pennsylvania, Maryland, Virginia, Missouri, New York, Alabama, North Carolina, and Arizona.

Contact me today, and we can discuss your insurance needs through an initial Zoom call.