Finding the right insurance plan can be difficult, frustrating, and time-consuming.

Especially if you need more than one plan to protect everything.

But Murray Talks Insurance of Hunterdon County, NJ can help you cut to the chase and find the perfect policy.

There many parts of our daily life that require insurance coverage. From health insurance to life insurance, it can be exhausting sorting through the possibilities.

This is why it’s a great idea to utilize an insurance broker. An insurance broker will work with you to find insurance plans that focus on what you need and remove what’s unnecessary. They help their clients find plans within their budget and answer any questions they may have.

They can also work with businesses to help them find Individual Coverage HRA (ICHRA) for their employees. This allows employers to provide their team with health insurance that's tailored to the needs of the staff instead of trying to find a "one size fits all" policy.

Curious how an insurance broker could help you? Here are the top five things an insurance broker can help you with.

Insurance brokers help you understand your insurance coverage.

A great insurance broker will have all the information necessary to help you understand your coverage. Not sure what your health insurance covers? They can review your policy coverage with you to make sure you understand what you’re paying for. Wondering if you need to have a life insurance policy? An insurance broker can provide insight.

A broker can help you find coverage that fits your budget.

With access to several different plans in the marketplace, an insurance broker can help you select a policy that fits your budget. That way, you’re not overspending on a plan that you don’t really need, or underspending and missing out on important coverage. Since they have access to the entire marketplace, they’ll be able to weigh your options against competitors so you have the upper hand on selecting a policy.

You’ll have a person to easily contact for new policies.

Life happens pretty fast. And sometimes you need to be able to add coverage quickly. By using an insurance broker like Murray Talks Insurance, you’ll be able to utilize one point person to help you find additional coverage. They’ll be able to review your existing policies and find the best additional plans that will help protect any new assets you may have.

A broker focuses on the client, not the insurance company.

If you only ever ate at one restaurant when you went out for dinner, you’d miss out on a lot of other options. The same goes for an insurance company. If you decide to work with an insurance agent at one company, they can only offer you options at their company. An insurance broker is able to find the right fit for you, no matter what company the policy belongs to.

An insurance broker only gets paid when you find the right policy for you.

Unlike insurance agents, your broker only gets paid when you sign up for a plan. So their main focus will always be finding the perfect fit for you. An agent may keep their focus on whatever policy or plan their insurance company is promoting at that time. Instead of relying on an agent for whatever options are available at their company, your broker can bring together plenty of options for you to choose from.

Ultimately, finding an insurance plan can be exhausting. Since there are so many areas of life that require insurance, it can feel a bit daunting to find the right policy.

But Murray Talks Insurance agency will make sure to put your needs first. Our years of experience and passion for our work gives us a leg up on the competition and access to the policies you’re looking for.

Curious about our insurance options? Contact us today!