Published: July 2016
Insurance agents help people make informed decisions about what kind and how much insurance to purchase, and they answer questions about the potential benefits of different types of coverage.
Allstate agency owner Keith Todd talks about the role of an insurance agent and how an agent may assist in the event that you need to file a claim.
My name is Keith Todd, and I'm an Allstate agency owner in Lakeland, Florida.
As an insurance agent, my job is to help people make informed decisions about the insurance coverage that suits their personal needs. If a customer ever needs to make a claim, we can also help them through that process.
One part of my job is to help customers review their policies.
We look at the coverages the person currently has. I like to explain each type of coverage in depth, and give examples of how it may help.
Say we're reviewing auto insurance. I might ask, "What happens if you get into a collision and you're at fault?"
"What coverages would you need to protect yourself? Would your coverage limits be high enough to protect you?" We look closely at all those questions.
I have similar conversations with people who are looking to buy new policies. Some people say, 'I just want the cheapest coverage.' I tell those people, "Think about what would happen if you had to make a claim. Would you want the policy with the best price or the best benefits?"
"That usually helps people understand that we have their best interests at heart."
When a customer needs to make a claim, we can help them begin that process. After they make a claim, I usually follow up just to make sure everything is going okay.
For me, that's actually the best part of my job — having the opportunity to help someone who's going through a tough time; to turn someone's day around.