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So What IS Insurance, Anyway? And Is It Really As Fun As It Looks on TV?


 

We all buy it. We know we need it. But do we really know what it is?

The official definition according to Merriam-Webster dictionary is: “coverage by contract whereby one party undertakes to indemnify or guarantee another against loss by a specified contingency or peril”

I know… blah, blah, blah… A talking lizard is much more fun.

Remember it this way: You buy a policy from an insurance company. (And contrary to what many perceive… that policy IS a legal contract). That policy TRANSFERS YOUR RISK FROM YOU TO THE INSURANCE COMPANY- per those pesky little policy terms, of course.

Simply put, it’s purchased protection against the potential calamities of life… and death.

Yeah… blah, blah blah, BLAH BLAH!!! Stay with me…

Even as an agent, I have many days I’d rather be doing things that are a hell of a lot more fun than dealing with insurance.

Is insurance “FUN”? Some TV and radio ads would lead you to believe so. Frankly, I think chomping on shards of broken glass might be more enjoyable.

It really, truly is one of the driest and most boring subjects to discuss over a nice dinner (don’t even try it, especially if it’s your first date). BUT, just like death and taxes, it’s inescapable. At least for most of us. There are a few exceptions, but I don’t want to talk about religion and politics.

 

Insurance Neon

 

Let’s face it. No matter how much “fun” advertising a company does, insurance is NOT at the top of any sane person’s entertainment agenda. Insurance media ads have now become as commonplace as big pharma drug ads. It’s all getting old. Very old.

But remember. When you buy as a result of one of those side-stitching TV ads, the fun is over. When you call, I highly doubt the TV ad stars will be answering the phone. And then the mundane begins.

An insurance policy is NOT “fun”. Nor is the act of purchasing it- spilling your guts and the sordid details of your life’s history to get that needed contract. And let’s not forget the cost. No small potatoes!

So, what to do? Make it a point to discover an Independent Agent who can ease the pain. Yes, the pain. New shoes and a mini-vacation are MUCH more fun than making that first payment on a shiny new insurance contract.
Then, your agent will help you find an insurance company that is a good fit for you.

Your light-hearted agent will be your advocate. Your representative. A sounding board. Or even a confidante. If you choose wisely, you’ll find an agent who can tell you great funny stories, and make your dark days of insurance purchasing a bit less dull.

How about this? Whether you choose to contact a company directly, or use the services of an Independent Agent, IMMEDIATELY start off the conversation by asking your contact to tell you a joke. See how they react. It could be a superb indicator of your future relationship.

And bear in mind… A policy without an agent is like a day without sunshine.

 

Brian Matthias