Kurtis Fleet Financial
Frequently Asked Questions
Q: How much does it cost for your services?​
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Nothing. My services are no cost to you. Even though I work for you, I receive a commission through my brokerage. This means you get access to a wide variety of Insurance and Financial Products at the most competitive market rates available. Not only that, but I make the time for you and I am here to explain and educate you on all the options available and guide you on the products that are best tailored to your needs. My goal is to shop the market and get you the best product for your unique needs. I encourage you to sit down with me for a free Financial consultation!
Q: What Insurance Companies, Banks and Financial Institutions do you work with?​
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As an Advisor, I work independent from any one company to source you the best product to meet your needs and goals. I have access to many different companies and even some exclusive product lines from companies within my brokerage. Let me shop the market for you, and get you into the best products available.
Q: What are the advantages of an Insurance Broker compared to just going into my Bank?​
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I shop the market to find you the best rates or products available to meet your needs. Getting Life Insurance or other Insurance products through a broker allows you to gain access to a wide variety of products on the marketplace. Certain Banks or Institutions only allow their employees to sell their product line. I can provide you access multiple Insurance Companies and Financial Institutions and will get you the most competitive price or the best options to suit your individual need.
Q: I already have a financial plan or insurance, why should I sit down with you and receive a free analysis?​​
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Peace of mind. By discussing your financial needs and reviewing your plan or other insurance products I can evaluate if you are meeting your needs. I have had clients over insured, under insured, those with minimal Financial IQ and no investment planning, and everything in between. I have also met with individuals who were set up correctly and in a great financial situation they had peace of mind knowing that they already had a great plan in place. Either way, you get to walk away knowing a professional as given your current situation a second look, at no cost to you.
Q: What if I am not in the best health, does that mean I cannot be insured?​
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As a broker I can access multiple insurance companies including companies that specialize in hard to insure individuals. By doing this I can find you a policy that meets your unique needs at an affordable price range.
Q: I have insurance through my employer, do I need anymore than that?​​
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This is by far the most common question I receive. And although there are some benefits of employer group insurance there are many downsides that people are not aware of. By discussing your financial needs including salary replacement, child care costs, mortgage liability and many other aspects I can determine if you have adequate coverage for your needs or not.
Q: I have heard that life insurance is expensive is that true?​
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No. Not at all - there are many affordable plans available on the market and can offer you the protection that you may require. I am able to shop the market and find the best rates and affordable options to meet your needs.