In an age of commoditization, discounts, deals, etc. where does it all end?  How many pieces of mail do you or I have to get in a week wrapped around “discounts up to 40%…”  “give us 15 minutes to save 15%..”  and whatever other deal or program or money saving discount they can come up with.  How about this, insurance is a critical part to any financial plan.  There are so many quality companies available that someone needs to remind the consumer that THEY ARE IN CHARGE.  What is the best way to show this?  VOTE WITH YOUR DOLLARS!  Make your agent work a little.

Get a good solid plan in place then apply a little effort each year and you can keep your insurance costs consistent.  Since when is the cheapest option the best?  Not very often.  So let’s ignore all the pandering and look for consistent value.