Independent agents represent many different insurance companies that offer a wide variety of coverage options and price points. Most on average sell for five to eight different insurance companies. There’s no need for you to accept one quote from one company, and there’s no need for you to spend time filling out many different online applications to get your own quote comparisons. With their connections and their knowledge of the market, agents can often find a better value for your insurance dollar than you might find searching on your own. Agents do the shopping. You do the saving. They find you the right blend of price, coverage, and service.
Call today to discuss your options.
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Founder of Bear Advantage LLC is Tena Hendrickson, a member of the Ojibwa, band of Chippewa Indians. With the Black Bear as her Tribal Clan symbol Tena is a protector of the elders, among others. Tena has great respect for her tribal elders, seniors and our veterans. She's found that many were not using all the opportunities available to help enrich their lives. For example, veterans have access to benefits specifically shaped for them. These include the opportunity to recoup Part B costs, additional benefits for eye doctors and dentists and the ability to see doctors outside the VA network.
Tena works closely with Medicare eligible individuals, tribal and non-tribal, veteran and non-veteran to take advantage of benefits they may be entitled to.
The way she and her team approach working with our clients is on a holistic level. Not every Medicare Advantage Plan or Medicare Supplement Plan fits every individual. For that reason our team offers 30 different companies to have the clients to choose to partner with.
Our loyalty is to you, our client, to put you in the best position with our expert guidance through all Medicare Advantage and Medicare Supplement guidance By taking this approach we believe in forming long-lasting relationships.
We are here for you!
- Tena Hendrickson
Why Choose an Independent Insurance Agent?
Insurance can be a complicated purchase. You’re not buying bread or milk. You’re buying a promise of protection that could potentially make or break your financial well-being. How do you know that you’re making the right choices about coverage? Are you sure you’re getting the best possible value for your dollar? The options can seem bewildering.
We’ve seen first-hand how the advice and advocacy of agents benefit our policyholders. Here are seven reasons why we believe the independent agency experience benefits you:
Independents can explain the complexities of insurance in simple terms, helping you make smart decisions. They make a career out of assessing their customers’ insurance needs and matching them with the insurance carrier best equipped to meet those needs at a price the customer can afford. Think about it. While you might research wording for wills on the Internet, you’ll likely go to an attorney to ensure that the document is drawn up correctly.
Agents not only find you competitive pricing, they make sure you are adequately covered. Working with you face-to-face, your agent becomes your personal adviser, taking the time to listen to you and understand your individual needs. They know it’s not just about finding a price you can afford; it’s also about making certain you are appropriately covered so that you don’t end up insurance-poor if you do suffer a loss.
If you have a billing or claim concern, or need to change your coverage, your agent can be your advocate, working with the insurance company on your behalf.
Independent agents are your neighbors…they share your interest in the community where you live, and understand the benefits and challenges of living in your locale. They are often highly involved in the community, sponsoring youth sports teams, buying from your local businesses, supporting school organizations, and voicing opinions at the monthly Chamber of Commerce meeting. They are right around the corner, ready to help.
Independent agents can often meet all of your insurance needs with the companies they represent.
Independent agents periodically review your coverage. They are there to help you through all the changes in your life.