Frequently Asked Questions

What is an Agent?
A Health Insurance Agent, or sometimes called a Health Broker, is a sales person who is familiar with many insurance carriers and many policies.

How does a Health Insurance Agent get paid?
An agent gets paid directly through the carrier, so there is ZERO cost to using a Health Insurance Agent.

Can I get a policy for less by going directly through a carrier?
No.  All costs are the same.

Why do the carriers use agents?
Agents are a way for carriers to efficiently market their products to the consumers.  Costs can be controlled by paying agents a set commission.  This allows the carrier to focus on managing their claims and helping its subscribers.

"It's important you understand how I'm compensated for assisting you.  The good news is that there is absolutely NO COST for my services.  Since I am a representative of the carriers, if you purchase a plan through me, they will directly compensate me.  This does not affect the cost of your policy at all.  In fact, the cost of a health insurance policy is fully regulated, and has to cost exactly the same no matter where you purchase it.  So, whether you call a carrier directly and buy from them, or through me, or through another agent, the cost to you is exactly the same."

The Difference
Our Agency Is Committed To Give You The Best Service!

At Winter Hawk Insurance Agency LLC we are continuously working to provide the individual coverage you require. When it comes to protecting your auto, home, business and family, don't leave it up to chance, or fly-by-night brokers. At Winter Hawk Insurance Agency LLC we take pride in our business and strive to be relationship specialists providing you with the total insurance solution for all your needs. Being insured with the best has its advantages.