FREQUENTLY ASKED QUESTIONS
Hey you, at the back of the room, we see that hand up in the air.
Making insurance simple has aways been at the core of what we do. So here are some simple answers to your most complicated questions. Have more? Shoot 'em at us. That's what we're here for.
WHAT IS AN INDEPENDENt INSURANCE AGENT?
Independent insurance agents are one of the 3 avenues to getting home, auto, and business insurance. An independent agent is the only way to connect with an insurance advisor that doesn't work for the insurance companies they offer. Our allegiance is to our clients so we can educate and advocate for you. We make insurance companies compete for your business and the winner is you.
ARE SHINE'S POLICIES CHEAPER THAN WHAT I HAVE NOW?
Probably. The fact that insurance companies KNOW they'll be competing for your business tends to make our prices the best out there. BUT, the more important thing is that we're also going to make sure your coverage is smart. At SHINE, you actually have an advisor. If you just go online and make your own policy, how do you know if it's any good or not?
WILL I STILL WORK WIth SHINE ONCE I PUt thE POLICY IN PLACE?
We're not simply a sales front like so many other agents out there. You think you're establishing a relationship and then POOF they're gone. When you have a billing question, we're here. When you need to add a car, we're here.
When you experience a disaster, we're definitely here!
The actual insurance company is there for you as well, but we are your first line of connection. Your advocate, your advisor, & your friend. We've got your back!
DO YOU OFFER ALL TYPES OF INSURANCE?
NOPE. You know the saying, "Those who attempt everything are fantabulous at nothing", or something like that.
At SHINE, we specialize in insuring Real Estate.
That starts with Homeowners. Our personal insurance team offer some of the best Home & Auto Bundles in the industry.
It continues with Real Estate Investors. Our commercial team offers boutique service to CRE investors, property managers, & brokers.
The cherry on top is our Life Insurance team. Whether you're protecting the members of your home, or investing through a tax sheltered life insurance policy, we're here to offer peace of mind.
I'VE NEVER HEARD OF THE COMPANIES YOU OFFER, WHY?
We offer some of the best insurance companies in the industry. Period! But it's very possible you haven't heard of them. They don't have Super Bowl commercials, huge billboards, or super annoying Facebook ads. This is because they ONLY work through independent agents. They choose to spend less on commercials and rely on their network of independent agents to get the word out. Most are regional mutual companies. They are smaller than the mammoths you see on TV but are still very large, very financially stable companies with the highest ratings for claims service. If they weren't awesome we simply wouldn't work with them.
HOW DO YOU GET PAID?
Independent agents don't work for the insurance companies and you don't have to pay us so... how do we get paid? The #1 way we make money is from commission that the insurance companies pay for placing coverage with them. That amount varies but is generally about 13% of your premium. So, if your policy costs $1000, we make about $130.