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ASZ International, Inc.

200 Summit Lake Drive
Suite 220
Valhalla, NY 10595

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Getting a Personal Insurance Quote

So, now that you have a little background knowledge on insurance, such as why it’s important to have, and which type of agent you should work with, it’s time to start thinking about getting insurance quotes. Before you start calling around to different agencies, you should first know what types of insurance you’re looking for. If you own a house, apartment, or condo, you will need homeowners’ insurance. If you rent a house, apartment, or condo you’ll need renters’/tenants’ insurance. If you own a vehicle or motorcycle, you’ll need car or motorcycle insurance. The list goes on…so take a minute to stop and think about the major things you own, rent or lease. If you’re still unsure of what coverage you need, plan to have a conversation with the agent you speak with, they can help guide you.

Next, do some research about agencies near you. Google and social media can be a good place to start. Once you find an agency, you may want to review their website and look over reviews. Once you’re ready to call, you may want to start by asking which specific carriers the agency works with. The more carriers, the more opportunity the agent will have to find you the best quote for your needs.

Many agencies will ask you questions like your first and last name, your date of birth, driver’s license number (if you’re looking for auto insurance), your marital status, and who your current carrier is. Here at ASZ International, we ask that you provide us with your declaration pages. This simply outlines the coverage you have in place right now, so we can make sure that when we look into a new policy for you, we are not giving you anything less. If you don’t want us to know how much your current premium is, we totally understand that, feel free to cross it out on your paperwork.


Now the tedious part is over. Your agent will begin to look into quotes for you. Again, if you work through an independent agent, they will plug your information into a comparative rater which will populate many different options. This is beneficial to you as it will allow you to compare coverage apples to apples with more than one carrier.

If you’re ready to start looking into quotes, download our app by clicking here and then following the on-screen instructions. We would be more than happy to assist you in finding the right coverage for you and your family!

Independent Agents vs Captive Agents

When looking for insurance, it can be incredibly stressful trying to decide which provider is right for you and your family. The entire process can be overwhelming, from narrowing down a provider, to getting the right coverage you need, and of course trying to stay within an affordable budget. Many people do not even know where to begin, and if that’s how you feel, don’t worry, you’re not alone.

This is where insurance agents come into play. First, let’s go over the difference between a captive insurance agent versus an independent insurance agent. A captive insurance agent is contracted to work for one insurance company and can only sell that one specific company’s policy (West Bend, n.d.). For example, if you reach out to a Nationwide insurance agent, they would only be able to get you quotes with Nationwide. Whereas an independent insurance agent is contracted to work with a variety of insurance companies and can sell policies from multiple providers (West Bend, n.d.). For example, if you reach out to us here at ASZ International, Inc., we can get you quotes from many different carriers like Nationwide, Lemonade, Erie, Travelers, and more, and then we compare them, apples to apples for you. This way you know exactly what each company has to offer, and it allows you to make a more educated decision on which policy is absolutely right for you.

Working with an independent insurance agent, in our opinion, is much more beneficial. Not only does your agent have the ability to go to different carriers who sometimes vary in the coverage they provide, but they can also shop around for you to see where they can get you the right coverage at the most affordable price. Another benefit is that when it comes time for your renewal, your agent will keep an eye out to see if they can get you a cheaper rate with another carrier. If they can, they’ll switch your coverage over and continue to be your assigned rep. Which leads me to another benefit of working with an independent insurance agency, not having to wait on hold or talk to a 1-800 representative. Instead, you get to call a real person, who is there to support, educate, and guide you throughout the whole process.

Here at ASZ International, that is exactly the kind of people we strive to be. We are here to work with you and for you. We don’t work for any specific insurance company, that’s not our job. Our job is to help you, the policy holder.



Reference:
West Bend. (n.d.) Does Your Insurance Agent Have Your Best Interests At Heart? The Silver Lining. https://www.thesilverlining.com/common-topics/independent-agents-versus-captive-agents

The Basics and Benefits of Insurance

Let’s talk about insurance, and why it’s so important. Do you own a home, apartment, vehicle, or any type of personal belongings? If you do, then you want to make sure those things are protected in case of a loss. When you buy insurance, you’re transferring the cost of a potential loss or accident to the insurance company in exchange for a fee. You’re buying yourself protection at a fraction of the price of what it would cost to get back those belongings. If you suffer a loss that is covered by your policy and you file a claim, insurance is there to help you pay for that loss based on the terms of your policy (Grange Insurance, n.d.).

Insurance not only provides protection against theft and damage from perils like fire and water, but it also protects you from the financial responsibility that could result from a visitor or guest being accidentally injured on your property. In a nutshell, insurance is very important. Though it is something you hope you never have to use, because nobody wants something bad to happen to them, it is something that you don’t want to be without if you end up suffering a loss.

So how does insurance work? When you purchase insurance, you are known as the policyholder. When multiple policyholders purchase insurance with the same insurance company/carrier, the insurance company uses the money collected from the policyholders and other investments, to pay for its operations and claims made by its policyholders (Grange Insurance, n.d.). So when you buy insurance, the payments you make are in exchange for being covered from certain risks (Araujo, 2021).

Next, we’ll dive into how to choose the right insurance provider for you and your family.


References:
Araujo, Mila. (2021, July 12). Get the Basics to Learn How Insurance Works. The Balance. https://www.thebalance.com/basics-to-help-you-understand-how-insurance-works-4783595


Grange Insurance. (n.d.). What is insurance and why is it important? The Grange Guide to Insurance. https://www.grangeinsurance.com/tips/what-is-insurance-why-is-it-important

Do you have the health insurance that meets your needs?

ASZ International Inc. is your Westchester, NY area insurance partner. We are here to help our clients find the health care insurance that best meets their needs. If you are feeling overwhelmed about your health insurance options, we are here for you!

Make sure your health insurance policy meets your needs

Selecting a health insurance policy can feel overwhelming because there are so many options available. In addition to the available policy options, there are also provisions for deductibles, copay amounts, and lifetime caps. All of these variables can make it incredibly overwhelming when it comes to choosing your health insurance policy.

Luckily, your local agent is here to help! Sitting down with an experienced insurance agent can help you sift through all of the options and narrow down your choices. There are many different reasons why a high deductible plan may work for you but not for someone else. Likewise, there are many different factors that will weigh in your decision when choosing coverage levels. 

There’s no reason to despair! Simply reach out to an informed and friendly area agent and get the help you need to make an informed choice. Health insurance doesn’t need to be a stressful part of your life. Let us help you find the coverage that is most appropriate for your needs. 

Don’t wait, contact us today!

If you are a resident in the greater Westchester, NY community, we are here to help you with all of your insurance needs. ASZ International Inc. can help provide you with the information you need to determine the right policy for your needs. Give us a call or stop by our office today!

The Benefits Of Health Insurance Explained

ASZ International, Inc. serves the Westchester, NY community, and the surrounding areas, by offering multiple types of insurance policies. We strive to make searching for insurance a more efficient experience for our clients. We enjoy giving back, and we have established partnerships with several local nonprofit organizations.

The Benefits Of Health Insurance

Health insurance is an asset because it covers you during times when you aren’t feeling well. You will be covered if you have to go to the doctor if you are admitted to a local New York hospital. Health insurance also covers your routine checkup every year to make sure that everything is ok. Here is a look at some other benefits of health insurance.

If you visit your doctor because you aren’t feeling well and prescribe some medication, you can have some peace of mind because it will be covered through your health insurance policy.

Perhaps you suffer a serious injury that requires emergency surgery. The surgery is covered through your policy as well as your rehab. You can amend your policy to cover physical therapy, as well as counseling, if necessary. You can also add coverage to protect you if the injury is severe and you are disabled.

If you are trying different treatment methods, such as acupuncture or psychotherapy, you can amend your policy to cover you through the process. Modern health insurance policies are covering some of the recently advanced treatment options currently on the market.

If you’re pregnant, health insurance will cover you through the process. You’ll be covered regarding any care that you need before and after the birth of your child.

ASZ International, Inc. Will Help You Find Coverage

Visit our website today to learn more information on health insurance.

Navigating Open Enrollment for Healthcare

Figuring out the best healthcare plan for either yourself, your family, or your business doesn’t have to be a challenge. At ASZ International, Inc. in Westchester, NY, we want to make the process as easy as possible, so keep reading to learn about open enrollment. 

What is Open Enrollment?

Open Enrollment is the annual period during which people can enroll in a healthcare plan. For 2020, that period runs between November 1 and December 15, 2019. Want to enroll in a healthcare plan outside this period? People are only able to enroll in a health insurance plan outside of these dates if they qualify for a Special Enrollment Period based on certain life events such as getting married, having a baby, or losing their existing healthcare coverage. 

Who is Eligible for the Health Insurance Marketplace?

People must meet three requirements to enroll in health coverage during the 11/1 to 12/15 period:

  • Must live in the United States
  • Must be a U.S. citizen or national
  • Must not be incarcerated

What is the New York State of Health (NYSOH)?

The NY State of Health is an online marketplace designed to help New York residents shop for and enroll in health insurance coverage. Anyone from families to individuals to small businesses are encouraged to use the marketplace to compare insurance plans, determine costs, and select the coverage that best suits their needs. Through the online portal, people can check their eligibility for specialized health care programs like Medicaid, Child Health Plus, and the Essential Plan. In addition, applicants will be told what level of financial assistance they qualify for to help afford the health insurance plans provided by the NYSOH. 

Whether you are in Westchester, NY, or one of our surrounding communities, ASZ International, Inc. can help you find a health insurance plan that meets all your needs. Give us a call or stop by our office today for more information.


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