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Can we buy insurance online?
The answer is yes.
With the advancement of technology, like buying and selling securities online and shopping online,Buying insurance online is a normal thing.
Advantages of buying insurance online: more options
In the past, ordinary residents could only apply for purchases through community or local life insurance brokersLife Insurance Products.
The service personnel that the insured can choose, and theinsurance brand.Products and Solutions, has very large limitations.
An obvious phenomenon is that when residents of eastern cities travel or move to some urban areas in the west, you will observe that the common insurance brands on the streets of the two communities will be very different. The insurance brands on billboards in some local communities are even more so. Unheard of.
With the circulation of insurance professional information on the Internet, smart policyholders will take the initiative to acquire more comprehensive insurance knowledge and avoid the damage of interests caused by one-sided education.
Can an online insurance broker not be located locally?
Buying insurance online must also be performed through an online insurance broker.
At this time, the insured will ask questions,insurance brokerIs it possible to buy insurance online, not locally, through an online broker?
In fact, most people are buying securities and insurance financial products through online brokerage.
I use the most common Webull, and Robinhood buy stocks to illustrate this situation.
Robinhood is a California-based securities brokerage with 2.2 million users nationwide.Webull, used by many U.S. residents, has a total of 1.1 million users, and its parent company is Fumi Technology in Hunan, China.
Whether it is Webull from Hunan, China, or Robinhood from California, they are all brokerage agents in the US financial product market.
Across the United States, hundreds of millions of people are buying financial products online through these two brokerages.
After years of market education, no one would think that—"Is this agent near my house",This is a problem, it is ignored by default.
American life insurance, the same as a financial product.
along withinsurance educationIt is becoming more and more popular in the Chinese world, and we will eventually transition to the same stage.
Online Insurance Account Like Online Banking
Like buying stocks and funds, the life insurance you buy is a financial account that you directly hold and operate.It is issued directly to you by an insurance company, a financial institution.
throughNew Crown OutbreakThe impact of mainstream US insurance companies in the past two years,alreadyAll digitalized.
Similar to online banking, policyholders can log in to their online insurance accounts directly on their mobile phones or computers, perform a series of operations such as withdrawing money from the policy account, depositing premiums, filing claims, resetting beneficiaries, and changing financial strategies.
The advancement of technology has realized the point-to-point operation process between the policyholder and the insurance company, which reduces the policyholder's dependence on traditional insurance brokers on the one hand, and greatly improves the efficiency and the policyholder's satisfaction on the other hand.
The 6-Word Secret to Buying Insurance Online
As with stockbrokers, the real reason every family makes a decision is usually because—Service level, user experience, professionalism and other factors.
In the same way, the core of our purchase of American insurance is,"Whether the insurance products and schemes themselves are good for us".
Who can help me choose a good insurance product, tell me the advantages and disadvantages of different product insurance, and design an insurance plan that is beneficial to my family in line with my knowledge of insurance. That is the insurance agent we are looking for.
Therefore, whether you buy insurance online or buy insurance locally, it is actually the process of choosing an insurance agent.
With the help of the Internet, our choices have been greatly broadened.
If you are dissatisfied with the local, look for the foreign; if you are dissatisfied with your own state, look for the foreign; if you are dissatisfied with your own country, look for the foreign.When buying insurance, the goal is to feel at ease and comfortable; it is not necessary and cannot be settled.
Therefore, residents of New York, Texas can certainly seek to live in CaliforniaProfessional Insurance BrokerFor help, and vice versa, California families can also seek the support of excellent insurance financial advisors in Texas and New York.
Residents living in other countries or regions can also seek the services of professional American insurance personnel living in the United States through the Internet.
After clarifying this point, based on my work experience, I summarize the searchinsurance brokerThe main points can be condensed into 6 words:Professional, let's talk.
(>>>Recommended reading:Expert sharing: 4 key points you must read before purchasing insurance ）
(>>>Related reading:How to correctly take the first step in insurance financing?4 common topics that insurance advisors must discuss）
Article summary
As the U.S. insurance industry fully digitizes, policyholders are no longer limited to local brokerage service providers.
search through the internet"Professional, let's chat"Insurance financial advisors can not only avoid the damage of interests caused by one-sided insurance education, but also help policyholders to identify and stay away from "Aggressive sales trap”, so as to enjoy a calm and comfortable insurance experience, and get an insurance plan that can truly protect your family’s finances. (End of the full text)
(>>>Related reading:Avoid the insurance sales trap: 7 tips for buying insurance from state attorneys general)
