How to Work with a Disability Insurance Agent #doctor #insurance #personalfinance

The agent has a dual responsibility. They need to serve you and they also need to operate with integrity. When dealing with the insurance companies, your agent needs to do a lot of things to keep your insurance application process moving along smoothly. Your agent should help to clarify or expand your answers pertaining to medical history and questions. Work with the underwriter of an insurance company and advocate for the very best and most robust offer that insurance company will write. Ensure that you're applying with the insurance company that is best for you. Go into the process with all options on the table. They should be willing to move to another carrier if underwriting is indicating a negative approval. This is not to say that the original carrier should be off the table, but rather to say that they need to be fighting for the best possible coverage for you. Your agent should not hide things from you. No credible agent should ever be deceptive. They should not only offer you one option unless the marketplace literally only has one option for you, which is exceptionally rare. Your agent should not offer the insurance company that is best for them as agents.