If you’ve ever thought about working with an independent insurance agency, you might have wondered, “Will this cost me more than going directly to an insurance company?” It’s a common misconception, especially when it comes to individual health insurance and Medicare plans. The truth is, using an independent agency doesn’t cost you a penny more than purchasing your policy directly from the carrier. Let’s break this down and clear up the confusion.
Here’s how it works: independent insurance agencies like Loman-Ray are paid by the insurance carrier, not by you. Whether you buy your policy through us or go directly to the insurance company, the cost of your policy remains the same.
Insurance carriers set the premiums for their policies, and those premiums don’t change based on how you buy your coverage. So, if you work with an agent, you’re not adding an extra layer of costs—you’re simply gaining a partner who’s there to help you find the right policy for your needs.
While the cost of your policy doesn’t change, the value you receive by working with an independent agency is significant. Here are just a few reasons why choosing an independent agency like Loman-Ray can make a big difference:
1. More Options, Better Fit
As an independent agency, we’re not tied to just one insurance carrier. We work with multiple carriers, giving us the ability to compare options and find a policy that best meets your unique needs and budget. Whether it’s health insurance, Medicare, or any other type of coverage, we have the flexibility to shop around for you.
2. Personalized, Local Service
When you work with Loman-Ray, you’re working with local professionals who understand your community and your needs. Our offices are right here in central and southern Illinois, staffed by real people who are happy to meet with you in person or assist you over the phone. You don’t get this kind of personal service when you go directly through an online carrier or call center.
3. Expert Guidance
Insurance can be confusing, especially when it comes to health insurance and Medicare. Our agents are here to explain your options in simple terms, answer your questions, and guide you through the decision-making process. We’re here to make sure you’re not just insured but properly covered.
4. Ongoing Support
Our relationship doesn’t end once you buy your policy. Need help filing a claim? Have questions about your coverage? Our team is here to support you for the life of your policy. With Loman-Ray, you have an advocate on your side.
A Partner in Your CornerChoosing an independent insurance agency means you’re not navigating the complex world of insurance alone. You’re partnering with experts who prioritize your needs, offer more choices, and provide personalized support—all at no additional cost to you.
So, the next time you hear someone say that using an independent agent will make their insurance more expensive, you can confidently tell them it’s just not true. With Loman-Ray Insurance Group, you get the best of both worlds: competitive pricing and exceptional service.
Ready to see how we can help? Contact us today or visit one of our local offices. We’re here to make insurance easier for you.
The above is meant as general information and as general policy descriptions to help you understand the different types of coverages. These descriptions do not refer to any specific contract of insurance and they do not modify any definitions, exclusions or any other provision expressly stated in any contracts of insurance. We encourage you to speak to your insurance representative and to read your policy contract to fully understand your coverages.
