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How Your Continued Education Can Stomp Out Insurance Misconceptions

Insurance is a complex and ever-changing industry that many average joes simply don’t understand. As an agent, it’s your job to educate your clients on their options and how their policies can be beneficial in times of need. But, being in a role to teach and offer financial advice requires extensive knowledge on your part. And that knowledge must continue to grow if you are to remain successful.

There are plenty of insurance myths that fly around, such as red cars are more expensive to insure and only families with young children need life insurance. While some of the facts that explain away these myths rarely change, a lot of the information you may need to discuss with clients can change drastically over the years. Therefore, taking continuing education insurance recertification courses can help you stay at the top of your game.

Let’s take a look at a few of the most common misconceptions about insurance, and how refreshing your education can help you to better assist your clients.


  • Myth: The value of a home insurance policy should be based on the home’s real estate market value. Clients benefit more from purchasing a home insurance policy that covers the cost of reconstruction and contents. Familiarizing yourself with the local market for home construction, as it pertains to home insurance, puts you in a better position to advise your clients and assist them with inventorying their belongings. The better advice you’re able to give, the less chances your agency has of a client suing over a loss.
  • Myth: New health plans under the Affordable Healthcare Act allow insurers to charge customers based on health. Because it was the norm for many years, plenty of people do not know that they can no longer be charged higher health insurance premiums due to the state of their wellness. We’ve seen many big changes in the healthcare industry over the last few years, and brushing up on insurance specifics allows you to avoid misinforming your clients by mistake.
  • Myth: It’s cheapest to insure small cars. As you know, auto insurance rates take many factors into consideration. One of these factors involves the safety statistics of certain vehicles and their drivers. For instance, small SUVs and minivans are often the cheapest to insurance because of the people who tend to choose these vehicles. Staying familiar with the latest statistics on vehicle and road safety helps your discuss auto insurance rates with more accuracy with your clients.

Ready to enhance your education? Insurance Classroom offers a range of coursework to not only help you meet licensing requirements, but also to make you the best agent you can be.

Learn more about flexible courses today. Call Insurance Classroom at (972) 256-8987 for more information on Texas online CE insurance courses.

Posted Sep 18, 2015
Tags: insurance ce course, texas continuing education, texas, online insurance courses

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