We believe that the best way to get rich is to give our customers what they want, exactly what they want, Service is survival!
1) The Right to Have Your Agent/Staff Act in Your Best Interest.
An agent recommendation should not be influenced by commissions, bonuses or other incentives (cash or non-cash).An agent should not collect a fee and a commission from the same client for the same work.
2) The Right to Receive Customized Coverage Appropriate to Your Needs.
Your potential coverage needs should be reviewed for each line of coverage under consideration and take into account any existing coverage. Any new recommended coverage must fill a need (gap in coverage).
3) The Right To Free Choice.
You have the right to receive multiple competitive options and to inform you in simple language of your coverage options, different levels of coverage are available, and you have the right to know how each option affects your premium and what your coverage would be in the event of a claim.
4) The Right to Receive an Answer to Any Question.
You’re the buyer; you have the right to ask any question and to receive an answer. The answer should fully and completely address your question and/or concern in full and be understandable. If you don’t understand something, you have a duty to ask questions, and if you still don’t understand, you shouldn’t buy that policy.
5) The Right to Pay a Fair Premium.
Full disclosure on how policy premiums are calculated and the impact of different risk factors specific to the type of coverage proposed. Also, information should be provided on factors that may reduce or increase the premium in the future.
6) The Right to Be Informed
To receive complete and accurate information in writing – anything said or promised orally must be put in writing.
7) The Right to be Treated Fairly and Respectfully:
To receive an answer to any question. This includes the right not to be pressured If there is a deadline, the reason must be presented. Insurance Agents and Companies should keep information private and confidential.
8) The Right to Full Disclosure and Updates:
To receive notice of any changes in the coverage in easy to understand language and any relevant changes in the marketplace. All relevant information and disclosure requirements (required or not) on an insurance product must be presented to the client.
9) The Right to Quality Service
To have your coverage needs to be reviewed at any time upon request, To determine if changes have occurred with the client or in the marketplace that would dictate changes to the insurance coverage. This includes prompt assistance on any claims.
10) The Right to Change or Cancel Your Coverage without any restrictions or hassles.
The right to receive sufficient notice of policy cancellation.
Chief Executive Officer