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Is it necessary to buy insurance through an agent?

» You can buy many insurance products without help from an agent.
» Typically potential policyholders will be contacted by mail, or they can call a toll-free number to apply for a product.
» The advantage of this type of distribution system is that expenses are usually much lower because there are no agent commissions to be paid.
» These savings can be passed onto the consumer through lower premiums.
» The main disadvantage is that the policyholder does not receive as much, or sometimes any, personal service either when buying a product or filing a claim.


What are the different ways to buy general Insurance?
What is the difference between an Agent and a Broker?
What should I look for in an agent?
Is it necessary to buy insurance through an agent?
What services does a broker provide?
What factors affect the cost of Insurance?
What is Underwriting?
What is Reinsurance?
Who do you file your claim with?
What are the things to be taken care of while filing a claim?
What happens after a claim has been filed?
What impact does a deductible have while settling a claim?
Who keeps an eye on the Insurance companies?
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