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What’s the Difference Between an Insurance Agent and and Insurance Broker?

September 23, 2009 By : Doug Gulleson

An Insurance Agent is usually the representative of one company. Good agents focus on helping clients understand the insurance products of their company.

An Insurance Broker represents the client and not a specific company. Brokers, because they have contact with many companies, can offer a wide variety of products. This helps clients find the best plan for their specific needs.

The good news is that it does not cost you any extra to use an agent or broker!  There is no surcharge, and you would pay exactly the same price if you went directly to the company. You never pay an extra penny for using a broker.

Good Neighbor Insurance is a broker.  We are contracted with ten different international health insurance companies.

What does this mean?  Two things:

1. We have a large array of insurance plans to offer you.
2. It costs you no extra money to go through us.

Doug Gulleson

Search Results

Waivers and Riders – What are those?

September 23, 2009

I’ve been thinking about “waivers” and “riders” and how that might affect a young woman with a busted knee when she tries to buy health insurance. What are her options?

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What is a Pre-Existing Condition and Will My Health Insurance Cover It?

September 23, 2009

Never lie on your health insurance application. You will be asked about your medical history because the insurance company is looking for pre-existing conditions. This short blog will tell you what a pre-existing condition is and how it will affect your ability to get affordable health insurance.

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A Look at Healthcare Systems Around the World – England

September 18, 2023

Britain’s health care system may offer “free” health care for its citizens, but most don’t see the hidden costs of such a system.

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Buying Health Insurance is Like Buying a Car

April 2, 2010

Bells and whistles on a car increase the cost. So it is with health insurance. Adding benefits only increases your premiums. One way to lower premiums is to increase your deductible and decrease the amount of benefits.

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Understanding Pre-existing Medical Conditions

April 23, 2010

Don’t we all have some pre-existing condition?  To quote from an unknown author, “No one is perfect…that’s why pencils have erasers.“ So what is a pre-existing condition?  Imagine you contact your car insurance agent on a Monday morning to tell him you want to take out car insurance to pay car repairs. The car is now in the garage being fixed because […]

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How Much Travel Insurance Do I Really Need?

October 16, 2023

Clicking the “buy insurance” button when buying an online ticket most likely will offer only very basic coverage. This may be fine if your trip doesn’t cost much and if your itinerary is not a complicated one. But if you have multiple stops over a longer period of time with expensive hotel reservations, you may want to consider Trip Cancellation insurance.

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