Insurance policies serve as your individual protection. We carefully consider which insurance coverage options suits your individual needs and what should or shouldn't be included in your policy.
We want you to get you the best coverage at the lowest rates possible. With the right policy and a secure future on the horizon, you can get back to living for the moment! We are a Tampa based
insurance company which specializes in health and life insurance for individuals, families and the self employed.
First off, what is an Independent Insurance Agent?
There are two kinds of insurance agents, Captive Agents and Non-Captive, or Independent Insurance Agents. There is a big difference!
Captive Agents are committed to one insurance carrier, like AllState or State Farm, and are restricted to selling that one company’s product line. They cannot shop around for other opportunities
that may better suit consumer needs. To a captive agent, the parent company comes first.
On the other hand, Independent Insurance Agents are open to offering their customers multiple product lines, which may include United Health, Cigna, Aetna or Humana. This broader selection
offers more resources to find coverage that best suits your personal situation. To an independent agent, the customer comes first. I taylor each plan to the individual with whichever company best
suits the client's needs. Health, Life, disability or foreign travel medical insurance amoung others.
Consumer Light Blub Goes On!
Do you trust your finances with someone who is more concerned about their company than with you? Of course not! You will sleep better knowing an Independent Insurance Agent is on your
An Independent Agent:
- Is a value hunter - they look for the best combination of price, coverage, and service.
- Offers one-stop shopping. With one call or visit, you have access to multiple lines of coverage for all your needs. Independent agents vary, but most offer a full range of auto, home, rental,
business, life, and flood products.
- Is committed to customer satisfaction - their livelihood depends on it.
- Treats you as a person - not a number.
- Becomes your consultant/advisor for the present and future - helping you to protect your valuable assets.
- Provides personalized claims service. No need to navigate a phone chain - Your independent agent can contact your insurance carrier directly to help smooth out the claims process.
- Listens. How better to help determine your needs?
- Has strong community ties. Look around you - PTA, Rotary, and Chamber of Commerce. Chances are your local insurance agent is right beside you building a stronger community.
Let James Insurance Consultants help you with your health insurance needs today!
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