Many agents have customer service representatives in their offices for the specific purpose of assisting clients with their benefit problems. An employer can replace their agent at any time, so it is in the agent's best interest to provide their clients with the best service possible. Most insurance companies or HMO's pay the agent a commission for not only selling a group, but for taking over much of the ongoing servicing of that group. There is a true value to that service that insurance companies, and employer groups, recognize. Most insured individuals in this country receive their health insurance from employer groups represented by insurance agents.
Many individuals often consult agents before purchasing coverage.
Home Page Often, Small Employers Cannot Afford to Staff Human Resources Personnel.