State laws and implementation rules might cause unknown lock-out periods which could cause difficult hurdles to overcome if your needs change. Use of an Agent/Broker does not cost you the consumer any additional fees, instead, the Insurance Companies normally will compensate us from their normal marketing budgets for providing services that will result in more appropriate product placement and internal efficiencies that can't be matched by customer service call centers.
When you choose to use the services of Aden Insurance, we aim to provide feedback on the process of legislative intervention (mandates) and improve your ability to obtain adequate coverage for your premium for a longer period of time. In order for us to minimize the additional costs associated with the sometimes cumbersome mandates, we first must address the costs of the care we have delivered to us and the efficiencies that can be obtained by eliminating waste in order to affect our long range cost of insurance. This will hopefully reduce the need for moving insurance carriers so frequently and also improve the relationship you have with your chosen providers.
Some products from time to time will be suppressed from being 'spreadsheeted' or bid during your quoting due to some underlying issues or implementation problems that might be present in some of the companies at any given time. We may further suppress some products from quoting given particular medical conditions on a case by case basis since, quite frankly, some companies do a 'better job' with certain disease states or conditions than other carriers due to either network restrictions, experience or contract differences. Blog listings of any such 'suppressions' will be listed under the "Articles" link on our home page.
Respectfully,
Steve Aden