WHO
IS THIS GUY (Terry L Scott) AND
WHY
SHOULD HE BE YOUR INSURANCE PROFESSIONAL?
Q. How would you answer that question?
A. With a question. If you were going to have brain
surgery done, you would want the best doctor doing the surgery right? Just as
if you are the best in your field, such as real estate, plumbing, teaching or
doctoring, I would want you and you service. So my question is, why “settle for”
less than the best when it comes to your money, your future well-being of yourself
and your family? You can have the best; I’m the best.
Q. That’s quite a statement, can you back it up?
A. (Chuckle) Sure; I’ll try. I know that sounds a bit
conceited and boastful but I truly am the best, and every day I get up early to
continue to stay on top of things and remain “the best”. Am I saying that I
know it all, that someone else can’t offer similar products, or that I don’t
make mistakes? No. However, I know my passion is to help others and to do right
by them and for them. Insurance can be confusing so I’ve taken the training and
obtained the license to be an agent, but I do more. I do my own continual
learning so I continue “being” the best. Also, I surround myself with other professionals,
who are also “the best”, if I don’t have the answer, I get it.
Q. How did you get started in the industry?
A. Over 10 years ago I worked for a couple of insurance
companies and I got turned off because it was more about the agent making the
sale and not about helping the client; at least that’s what I got out of it. I
let my license lapse thinking that I would never, ever, do that again. Then “life
happened”.
Q. What do you mean?
A. I had a close friend whose mother had retired and had
a condition and she certainly would have been made more comfortable if she had
some things (insurance wise) in place. She went through all of her savings, and
everything had to go to her end of life needs when she could have used more
money and options during this time.
Also, in other cases, I saw how those turning 65 really
need help in making insurance choices.
Q. Choices?
A. Yes, many people think that when they turn 65 that everything
is “taken care of” but it’s like going back to school again. They get numerous
phone calls from agents every day. They get bombarded with mail from Medicare and
all of the insurance companies who want to help. This goes on for months. It’s
overwhelming and confusing. And it’s scary; making the wrong choice during this
window of enrollment can adversely affect the rest of one’s life in how and
what they can do.
Q. So you got into the industry years ago, got out, had
these recent experiences and…
A. Yes, I got back involved with insurance. Either the
industry changed (which I know it has) or I have, or both. I was working full
time but would get up very early every morning and took hours and hours of
tests online. When I was done and thinking that I was “finished” another module
and test would “appear”; it seemed to go on forever! But I was determined to continue.
I passed and obtained my license in Life and Health for both Wisconsin and
Minnesota. (I definitely will keep renewing them because I don’t ever want to
start from scratch again!)
Terry Scott is an Agent and Broker for ACA as shown above.
Q. What would you want the “person on the street” to know
about insurance?
A. There is an organization called LIMRA which offers
statistics concerning insurance. A few things that stand out to me is that most
people think insurance costs about 3 times more than it actually does, and more
people would buy insurance if someone approached them! Plus, I’d like to let
everyone know too that there are laws and regulations that safeguard and
protect the consumer of insurance products so there is no real reason why
someone should be apprehensive to sit down and visit with an insurance
professional to get an assessment (picture) of their situation. Believe me,
with all it takes to get licensed and with all of the laws that protect the
consumer, agents are very, very careful to do what’s right for the consumer!
Q. Anything else that you’d like to add?
A. In my time as an agent, I’ve been privileged to work with
several companies and have seen how most operate. There is probably not a bad company
out there. I think most agents and the companies they represent have the
consumer’s best interest in mind. However, I know that I’m in the right place
and I’m glad now to represent HealthMarkets. It offers many products from many different
companies so I am not biased to any one, and can really create the right
customized and affordable “corporate style” benefits package for a client using
products from any of these fine companies; I like that.
Terry Scott is an agent with HealthMarkets. See his site
at: www.HealthMarkets.com/Terry.Scott.
