| One of the key guiding principle of insurance is Don't | | | | The top brain surgeon would have known enough to |
| Risk More Than You Can Afford To Lose, which | | | | recognize that what you requested was the wrong |
| means having all major risk areas in your life well | | | | procedure for you and would put you at the risk for |
| covered with insurance and it requires choosing a | | | | serious brain damage. She would have recommended |
| right professional insurance advisor. | | | | a different, more expensive, but much more helpful |
| Automobile, home, boat umbrella and other personal | | | | surgery instead. |
| policies, as they're sold off the shell, rarely, if ever, | | | | Insurance isn't brain surgery. But it isn't a commodity |
| cover all your major property and liability risks. But | | | | either. The moral of the story is that if you shop for |
| they will cover most, if not all, of those major risks if | | | | insurance like this, you'll probably end up with the |
| they're customized to your needs with proper | | | | wrong diagnosis, with possible serious side effects, |
| coverage limits & appropriate coverage | | | | and with a less skilled advisor than you need and |
| endorsements. Customizing a policy requires a great | | | | could have had for the same price. |
| deal of coverage expertise & care. And that's | | | | Asking these questions to yourself will help find an |
| why, for most people, locating & hiring the best | | | | insurance advisor easily: |
| possible advisor has to be the very highest priority | | | | Do I want my life, health, disability, long term care |
| when it comes to buying insurance. | | | | & other coverages with the same advisor? You'll |
| We'll try to understand the insurance with the help of | | | | have the best designed program if you can find one |
| the following story before finding a right advisor: | | | | advisor with the expertise to oversee your whole |
| Suppose you've been told you need brain surgery. If | | | | program - expertise in every kind of personal policy. |
| you shop for it the way many people shop for | | | | At the very least, it's wise not to have more than |
| insurance, here's what you do: You start calling | | | | two advisors that you work with. |
| around town, getting quotes over the phone. You | | | | Is a regular, yearly review important to me? If so, |
| probably aren't exactly sure what kind of brain | | | | add this to your shopping list. I recommend regular |
| surgery you need, so you decide to get a price for | | | | reviews. A well designed insurance plan starts to rust |
| the type that you think you probably need. You get | | | | with coverage gaps if it's not polished up every year |
| quotes from all over - from surgeons, clinics, hospitals | | | | or two. |
| and even medical school interns. You're not | | | | Do I have a home business? If so, you must find |
| concerned about skill - just price. After all, it's only | | | | someone with small business insurance expertise. Add |
| brain surgery. | | | | that to your list. |
| You find a clinic that will do the surgery you think | | | | Are top claim skills important to me? Do you want |
| you need for the lowest price. You sign up for the | | | | the best possible claims coaching, to maximize your |
| brain surgery. The intern who answered the phone | | | | claim when you file it? Do you want an advisor skilled |
| when you called does the surgery, even though one | | | | enough to fight, successfully, for your rights if your |
| of the top brain surgeons in the area works for the | | | | claim is unjustly denied or underpaid? |
| clinic and would do the surgery for the same price as | | | | Apart from these, word of mouth is always one of |
| the intern. The intern, lacking the expertise to | | | | the best sources when seeking a professional |
| diagnose the exact type of surgery you need, | | | | insurance advisor. |
| performs the surgery you asked for in the quote. | | | | |