Why do I need a Trustworthy Insurance Agent?

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Why do I need a Trustworthy Insurance Agent? Short answer: because details matter-and they can save (or cost) you real money. Client Story #1 At Egert & Cohen, we recently met an older woman who decided to transfer her policies to us. When we reviewed her file on Har HaBituach (the government site that lists all insurance policies under your Teudat Zehut), we were shocked:Her previous agent had sold her four disability policies.She had purchased another one through a telemarketing company.That’s five disability policies - yet you can only ever claim up to 75% of your gross salary. She was paying a fortune for coverage she could never use.We cancelled the unnecessary policies, saving her money and restoring her faith in the value of a trustworthy insurance agent.Client Story #2Our client travelled to visit family in the US. While there, he started feeling chest pain. He was taken to hospital and underwent emergency heart bypass surgery. His policy also covered flying his wife out to be with him.He was recovering well but both he and his wife needed to return home to their small kids. We negotiated with the insurance company and they agreed to pay to send him back to Israel with a medical escort. Total cost: Nearly $150,000.Client Story #3 Our client was a tenant in the building in Jerusalem that was destroyed in a gas explosion a few months ago. The building collapsed partially, and the city declared it a danger area (in other words the building must be razed to the ground and no one is around allowed to enter). Our client can see the contents of his apartment untouched! However, he can’t physically remove his clothes, fridge, stove and all the other parts of his daily life. The question Is this an insurance claim? The actual apartment doesn’t belong to the client but what about his contents? For all intents and purposes, they are “destroyed or lost”, therefore the insurance company should pay up. This seems especially true if the Iriya were to take down the whole bu