Understanding the Unique Challenges Immigrants Face
Immigrants frequently navigate numerous challenges and adjustments. From adapting to a new culture to understanding local norms, their journey is filled with both obstacles and opportunities.
Top 6 Common Concerns Immigrants Looking For Insurance Face:
1
Lack of Familiarity: Immigrants may not be familiar with the insurance industry in their new country. They might not understand the types of coverage available, what is required, or how insurance works in the local context.
2
Language Barriers: Language differences can make it difficult for immigrants to understand insurance terminology, policy documents, and communication from insurance providers.
3
Documentation Requirements: Immigrants might face challenges in meeting documentation requirements for insurance applications, especially if they lack certain local identification or credit history.
4
No Local Insurance History: Without a local insurance history, immigrants might face higher premiums or difficulty securing coverage.
5
Transferring Policies: Transferring existing policies from their old country to their new country might not always be straightforward or possible due to differences in regulations and coverage needs.
6
Healthcare Coverage: Immigrants might have concerns about healthcare coverage, especially if their old country has different healthcare systems.
A common misconception is you’ll pay a larger amount as a commission to the brokerage firm. But you actually don’t - we get paid a commission from the insurance companies. We’ll only recommend plans that are actually right for you.
BENEFITS & MISSION
Why Work With BrokerUnion
The main differences between the big banks and boutique brokerage firms like us are:
1. Number of choices
We shop around to give you the best rate instead of offering you the products of one bank.
2. We build relationships
We’ll sit down and talk with you, and treat you with care and respect. You have a unique situation so you must have a unique solution.
3. Education
We explain this on our about page, but we are really in the education business. Our job is to give you all the information you need to make an informed decision.
4. Confidentiality
Bank employees have to look after the interests of the direct writer whereas a boutique brokerage has no obligation to anyone – therefore we’ll always act in the best interest of our clients. They’ll have to report on accidents and other impactful events to their bosses, which may increase your premiums, but we do not. It’s almost like the confidentiality agreement lawyers have.
5. 25+ licensed and experienced brokers
We are large enough to have experience in any situation, but small enough that you won’t be treated like a serial number. We pride ourselves in both our professionalism and our friendliness.
The main differences between other brokerage firms and us are:
We speak 22 languages
A great insurance plan is personal and unique, therefore communication must be extremely accurate.
Our Own App
We have our own app for all policy letters, communications, documents, pink slips, etc. Even if you switch carriers, it’s all on one app, which makes things very convenient for you.
Dedicated Customer Service Team
Dedicated customer service team – so that even in off hours, you won’t be left talking to an answering machine.
2022 IBAO Brokerage Of The Year
2022 IBAO Brokerage of the year (category under 25 brokers). To achieve that, we’ve prioritized the core of what makes a good brokerage – choices, education, and service. If we learn of a new way to get clients better coverage, or at cheaper rates, or with less time/effort invested by them, we’ll adopt it because we always put our clients first.
Choices
We have a very extensive list of carriers we work with. That lets us find you a plan that’s very custom to your needs.
Experienced Professionals
We have relevant experience. We’ve helped 5800+ clients with their auto insurance in the past 3 years.
Not everyone has access to the same carriers - we have access to multiple top carriers as well as dozens of carriers that cover almost all situations
WHAT WE OFFER
Products for Immigrants:
Travel Insurance
Are you gearing up for a new journey? Embark with assurance using our travel insurance, covering the unexpected twists and turns of your adventures. Explore with confidence.
Super Visa Insurance
Are you considering a Super Visa for your family’s visit? Ensure their journey is stress-free with our specialized Super Visa insurance, tailored to meet the unique requirements of their extended stay.
Home Insurance
Are you seeking dependable home insurance? Protect your home with our tailored coverage options. Secure peace of mind and the future of your home & family today.
Auto Insurance
Are you on the hunt for reliable auto insurance? Drive with confidence knowing you’re covered by our top-tier protection plans. Choose the best for your vehicle and hit the road without worries.
Imagine Your Future With Us
Financial Security:
By choosing us, you'll be setting up a robust safety net, ensuring protection against unforeseen events that could impact your finances in the future.
Peace of Mind:
Trust that our expertise will provide clarity on your insurance coverage, guiding you confidently through the insurance landscape.
Family First:
With our partnership, your family's safety will be prioritized. Together, we'll ensure your loved ones and assets are safeguarded, paving the way for a brighter future.
Knowledge is Power:
Our educational tools and advice will be at your disposal, empowering you to make informed insurance decisions tailored to your unique journey and aspirations.
Empowering Your Tomorrow:
Let us handle your future insurance concerns, freeing you to focus on your aspirations, from furthering your education to owning a home or launching a business.
Community Connections:
By joining our network, you'll be strengthening your ties within the immigrant community, ensuring you're always supported and connected in the days to come.
Let's Secure Your Future Together
With our dedicated support, you can confidently embark on your new life, knowing we’ve got your back. Your fresh start is our commitment. Let’s build a secure and prosperous future in your new home, together.
Our Happy Customers
What Exactly Does An Insurance Brokerage Do For Immigrants?
1. Multilingual Support
We offer assistance in various languages to ensure we understand each other perfectly.
2. Clear Policy Guidance
We’ll break down insurance terms simply, ensuring you know exactly what you’re covered for.
3. Tailored For You
Recognizing your unique journey, we provide insurance solutions crafted for your specific needs.
4. Documentation Help
Navigating paperwork can be tough. We’re here to guide you through every step of your insurance application.
5. Your Advocate
We stand by your side when interacting with insurance companies, ensuring you’re treated fairly.
6. Budget-Friendly Options
We’ll find coverage that fits your budget without compromising on protection.
7. Cultural Respect
We value and understand diverse cultures, ensuring you always feel at home when discussing your needs.
8. Claims Support
If you need to make a claim, we’ll guide you through the process, making it as straightforward as possible.
9. Partnership for the Future
We’re committed to supporting you long-term, adapting as your needs change.
10. Local Knowledge
We’ll share vital information about local insurance practices, helping you make informed decisions.