| rev:text
| - Chose Safeguard Insurance based on Yelp reviews. How they managed to get a pristine 5 stars prior to my review escapes me, but maybe we just ended up with a horrible rookie insurance agent?
Hubby & I had been considering our options for health insurance plans/providers, in hopes of finding 1 with a good deductible & maternity coverage; I'm 22 weeks into my pregnancy. We requested an appointment with Safeguard Insurance earlier in the day, & managed to get a same-day appointment. Great!
My first impression of Safeguard Insurance being a comfortable, professional environment didn't last very long. Our insurance agent, who I will simply refer to as "N", made the quick assumption that I'm an "illegal", & went on to say that they cannot help illegals. Naturally, I suppose.
His term.
Illegal.
One does not use that word lightly. It shouldn't matter if an individual strolls into the office in a straw hat, straight from a rice paddy. It might not actually be the job of an insurance agent to make swift, careless assumptions & label people to their face -- at least not in a professional setting, & most definitely not before one gets their facts straight.
N appeared ready to end our appointment & escort us out the door, but I figured he might, regardless of his lack of tact & awareness of what is 'PC', actually turn out to be very knowledgeable about our issues. We corrected him, & I thought it best to move forward.
N didn't bother hiding his stress as he struggled to figure out what answers to give us. While speaking with our new clinic's receptionist over the phone -- and he spent a lot of time on the phone asking people questions -- he referred to our situation as a "nightmare". He was unfamiliar with certain insurance terms ("What's ___?", he asked), & continually sighed & huffed as he grew frustrated with our complicated problem. Personally, I would have appreciated it if he simply apologized for not having had the answers we needed, if he had just told us that he would get back to us with some answers, as soon as he had them.
N seemed hurried, dismissive, perhaps hoping that the next client's case would be more familiar & run-of-the-mill. We felt like we were wasting his time, when he was maybe wasting ours, because he didn't have the answers we were looking for. His recommendation was a health plan with a premium of $600.
The company's owner has clarified that a rather high premium for health insurance is now the standard for the average family in Nevada; premiums simply skyrocketed in 2015, & this is beyond the control of Safeguard Insurance. He also adds that N is not a 'rookie agent', & has quite a number of sales under his belt. I'm not sure this works to N's advantage, because now I can't help but wonder why he was unable to provide us with good answers in a timely manner, why he was cracking under pressure, & why another agent (elsewhere) was able to provide us with answers within minutes. That review will be for another agency.
Our trip to Safeguard Insurance left a bad taste in my mouth. It's highly likely that the company's other agents have better manners, & the agency is probably worth recommending based on the insurance plans they could recommend. However, I really won't know. We have no need to go back there.
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