Why Use Us?
Our Values: Honesty, Integrity, Quality & Service. HIQS!
There are no hidden charges.
You pay the same rate using an agent as you would without one. We are compensated by the insurance companies. Agent compensation is already factored into their premiums and they cannot legally charge you less.
Quality is not compromised.
Your options stay open. We represent all insurance companies and consider all possibilities.
Your unique needs are our priority.
We get to know you personally. The various features suit different individuals needs better than others, and we work to match you with the company that offers the best rate and the best coverage for you.
We can save you money.
It may actually cost you more in the end to go through the process on your own. A plan that may seem like the cheapest may not cover certain needs, and you may wind up paying for it out-of-pocket.
We save you time.
We simplify the process for you through every stage.
We stay current.
It is our job to be current in the insurance field. Available plans and rates change constantly. The lists of participating doctors and hospitals affiliated with HMO’s change with little notice. We stay on up to date on these changes.
We prescreen your case with multiple companies.
Insurance companies vary as to which health conditions they consider risky. We take this into account. When we prescreen your case, you will know the company you choose will be likely to accept you at a rate that you can afford.
Prescreening reduces the odds of having a decline on your record.
A “decline” can affect your ability to get insurance from another company in the future. Plus, the whole process could take you two to three months and you would be back where you started.
We notice the details.
We will complete and submit your application for you. Applying for insurance can be an involved task and an oversight on your forms may be costly later. Allow us to take care of this for you.
We construct solutions.
We are creative and flexible; the best solution may require an unconventional approach/design.
We remain available to you.
After you are insured, we remain accessible and are here to answer your questions and address any issues that may come up. We prepare reports, and maintain a copy of your records.
We are your advocates.
If you have questions or problems we will help you resolve them with your insurance company.
We are experienced and have a range of expertise.
The HIQS group is in partnership with experts to help you with your financial and retirement planning.
We conduct a yearly review.
This way, if your plan is no longer the best fit, we’ll help you replace it before you renew.
We want you to be happy.
Our job is to make your life easier and to provide optimal service. Your satisfaction is fundamental to our business.
We are local.
We are based in Bethel, CT and we have agents all over the state.
We keep your information secure.
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