Buying insurance through an advisor is often better for many people because advisors provide expert guidance, personalized service, and claim support. Here are some key reasons why purchasing through an advisor can be beneficial:

1. Expert Guidance & Policy Customization

✅ Advisors analyze your needs and recommend the best coverage.
✅ They ensure you don’t overpay or buy unnecessary policies.
✅ They help you avoid underinsurance, which can leave you exposed to risks.

2. Understanding Complex Terms & Conditions

✅ Insurance policies have fine print, exclusions, and clauses that can be confusing.
✅ Advisors explain terms in simple language, ensuring you fully understand your coverage.

3. Better Claim Support

✅ If you need to file a claim, advisors help navigate the process and maximize your payout.
✅ They assist in preparing the necessary documents and negotiating with the insurer.

4. Access to Multiple Options & Discounts

✅ Independent advisors work with multiple insurance companies to find the best deal.
✅ They can sometimes negotiate better premiums or offer bundled discounts.

5. Long-Term Relationship & Policy Updates

✅ Advisors help adjust your coverage as your needs change (e.g., marriage, new home, business growth).
✅ They keep you informed about policy renewals, changes, or better offers in the market.

When Buying Without an Advisor Might Work

• If you are well-informed about insurance and know exactly what you need.
• If you are purchasing simple policies (like travel or basic car insurance).
• If you want a quick, online purchase without personalized advice.

Would you like help deciding on the right type of advisor for your insurance needs?