What is different about an agent's situation
Income is lumpy. A Marketplace application asks for an estimate of next year's household income, and an agent's honest estimate may look nothing like last year. Dagan explains how that estimate works, how to update it mid-year when closings run ahead of or behind plan, and why it matters to keep it current.
Agents also spend their days driving, showing property and walking job sites. A broken wrist or a back injury does not stop the mortgage, which is why disability insurance comes up in most of these conversations.
What Dagan checks with you
- Marketplace and other individual plans that include your doctors, your family's doctors and your prescriptions.
- Whether a PPO's flexibility is worth its premium for the way you actually use care.
- Family coverage, since plans are priced per person and a spouse's employer plan may or may not be the better fit.
- Disability coverage with an elimination period that matches how long your reserves would last.
- Term life sized to the mortgage and the years your family depends on your income.
Teams and brokerages
Team leads and brokerage owners with W-2 staff sometimes ask about group coverage for the office while the agents themselves stay on individual plans. Dagan can look at both sides in one conversation. See group health insurance for small businesses.
Coverage that usually comes up
- Health insurance: Individual and Marketplace plans built around your providers.
- Disability insurance: Income protection for a job done on your feet and behind the wheel.
- Life insurance: Mortgage protection and family income coverage.
- Group health insurance: For brokerages with W-2 staff.
Plan availability, benefits and costs vary by carrier, county and plan year.