What are the pros and cons of buying insurance directly from the insurance company?
Of course you are free to buy insurance directly from an insurance company either on the internet or on the telephone, but meeting with a professional who you trust could be the difference between having your insurance at the proper amount or not.There are certain types of insurance provisions you may not know anything about and you might miss the boat by not being properly or adequately covered. One of the bad things about getting insurance directly from the insurance company is when you fill out the application, you may not fill it out properly. You may fill it out with questions. For example, it might ask when the last time you had a physical was and what happened, and you might say that you had a heart murmer or you weren't feeling well, or you had chest pains bothering you. The insurance company would read and you might be declined. Whereas an insurance broker will ask more probing questions. You would say nothing happened, the doctor said I have a clean bill of health. That type of information should be put down on the application so that the underwriter in the home office has a clear picture of what your health condition really is.
