Young man, you are experiencing what any agent understands, whether they behave in such a way or not. What you need to know is that it is not a matter of hating YOU, but of us agents hating the BEHAVIOR exhibited! Those who would have the world think there is no need for an agent. They go to the internet to purchase, then come to us for sound direction after the fact! I initially had similar thoughts as some of my fellow agents; then I recalled something an old vet in the industry told me: every client is just like us; allow them to be foolish, and then forgive them. They don't know any better!
Ours is not fly-by-night exercise; the good ones study the craft, ask proper questions, and contribute to as well as learn from some of the best in the business. And we are professionals! If WE have to ask questions about the craft, YOU need us to address the issues! But you have betrayed the trust of any agent who takes pride in what we do, so some of us refuse to help you.
Some shopping basics: answer the question WHY do I need this amount of insurance?; is this amount realistic and achievable?; is there a future goal I need help achieving? what is the cost, and how can I configure my plan to achieve my goals? One simple generic answer - An agent; captive or indy, doesn't matter!
Ours is not fly-by-night exercise; the good ones study the craft, ask proper questions, and contribute to as well as learn from some of the best in the business. And we are professionals! If WE have to ask questions about the craft, YOU need us to address the issues! But you have betrayed the trust of any agent who takes pride in what we do, so some of us refuse to help you.
Some shopping basics: answer the question WHY do I need this amount of insurance?; is this amount realistic and achievable?; is there a future goal I need help achieving? what is the cost, and how can I configure my plan to achieve my goals? One simple generic answer - An agent; captive or indy, doesn't matter!