If you need insurance advice, you are in the right place. We are a multi-line independent insurance agency offering a wide array of life, health, annuity, and Medicare products directly to our clients.
The primary advantage of working with an agency like ours is that we offer unbiased advice and direct quotes from several competing providers, all in one place. We are your one-stop shop for quotes and advice.
Many insurance agents are captive. This means they can only offer products from one or two insurance companies. If you contact a captive agent, they can only provide quotes and illustrations from the insurance company that employs them. This does not give you many options to choose from.
The nice thing about insurance advice is that it’s free. By law, we cannot charge you for the time, work, and insurance advice we provide leading up to any transaction. We are not lawyers or accountants. In almost call cases, we can’t charge you for our time.
Our goal is to help you find the insurance that best fits your needs and budget. Maintaining our independence is an integral part of that equation. We want you to be able to compare your best options – whether it’s an annuity, Medicare supplement, or individual or group health insurance plan.
Almost all insurance agents work on commission – and sometimes a small salary, depending on their employer. You will never pay our commissions because those come from the insurance company. In other words, commissions are almost always built into the product.
You are always welcome to ask us about our commissions, but you will never pay them to us directly. Commissions do not add to the cost of buying life insurance, long term care, annuites, or health insurance. In other words, you cannot avoid them by enrolling directly with your provider of choice.
Many of our clients ask us about annuity commissions, especially when it comes to guaranteed fixed annuities. The good news is that our commission does not affect your rate of return in any way. Like other insurance products, annuity commissions are built into the product and your rate is locked & fixed for the desired term,
It is important to understand that insurance prices are controlled by law. It won’t matter how or from where you purchase your health, life, dental, vision, long term care and/or Medicare supplement policy.
Whether it’s online, in person, direct from an agent, or direct from the insurance company itself – the price will be the exact same with almost all products. In some cases, we can negotiate lower rates for group health insurance policies, but those rates will also be honored for competing agents.
So you cannot easily pit agents against one another to find more affordable coverage. Whether it’s an individual, family, or group insurance policy – the chosen carrier will honor the quote regardless of the source.
If you find an independent broker you like, there is no reason to go agent shopping. We all offer the same quotes on the exact same insurance from the same company.
The simple advantage is to work with an agent or agency that represents several companies. This way you can compare the direct insurance rates in one place. This makes the process much faster and easier for you in the long run. Plus, you will have someone to rely on in the future.
Hyers and Associates Inc. is an independent annuity, life, Medciare, and health insurance agency. We are happy to help you compare plans and illustrations from several reputable carriers at the lowest cost available. Contact us to speak with an agent today.