Why Choose Us
Agents represent their company. Brokers represent their client. That's the difference.
Agent vs. Broker:Know Who's Working for You
In today's customer service world of 1-800 numbers, call centers, and endless transfers, Michael Insurance Planning operates with one simple standard: one client, one point of contact.
Captive Agent
Represents ONE insurance company. Can only offer that company's products. Their loyalty is to the company they work for.
- Limited to one carrier
- Company sets the rates
- May not have the best fit
- Loyalty to the company
Independent Broker
Represents YOU, the client. Shops multiple carriers for the best coverage and price. Their loyalty is to you.
- 25+ carriers to choose from
- Competitive pricing
- Tailored coverage
- Loyalty to the client
That's Michael Insurance Planning
Go With a BrokerYou Can Trust
As a broker, Michael Insurance Planning represents you, and has your best interest at heart. While agents' loyalties must lie with the insurance company they represent, our loyalty is to the client.
Frequently AskedQuestions
Q: What is the difference between an insurance agent and a broker?
A: An agent is captive, meaning they represent only one company and can only offer that company's products. A broker like Michael Insurance Planning is independent - we represent YOU, not any single insurance company. We shop multiple carriers to find you the best coverage at the best price.
Q: Do you charge for quotes?
A: Absolutely not. Quoting is ALWAYS free and a staple of the service we provide. In the event you decide to go with another agent or broker, there is still no charge. We believe in earning your business through better coverage and service.
Q: Do brokers cost more than direct insurance companies?
A: Not at all. Direct writers often have massive advertising budgets and labor costs that replace local broker service. We provide personalized, face-to-face service at competitive rates because we work with over 25 carriers to find the best value.
Q: Who handles my claims and day-to-day service?
A: Your local community broker is your initial and ongoing contact for claims and service assistance. At Michael Insurance Planning, you'll talk to real people who know your name, not a 1-800 number. We advocate on your behalf throughout the claims process.
Q: How often should I review my insurance coverage?
A: We recommend an annual review of all your insurance policies. Life changes - a new home, new car, growing family, or business expansion - can all impact your coverage needs. We proactively reach out to ensure your coverage stays current.
Q: What areas do you serve?
A: We primarily serve Lebanon, Mason, Springboro, Franklin, Middletown, and all of Warren County, Ohio. We also work with clients throughout the greater Cincinnati-Dayton area. As a licensed Ohio agency, we can serve clients anywhere in the state.
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