Insurance Company in Bakersfield

If you’re looking for reliable and comprehensive insurance services in Bakersfield, Professional Benefits Team Inc is here to help. Whether you need health or life insurance coverage, our experienced team is dedicated to finding the right solutions tailored to your needs. With a wide range of policies and personalized service, we make accessing protection simple and stress-free.

Your safety, security, and satisfaction are our priorities. Trust us for all your insurance needs in Bakersfield and beyond! Call us today at (559) 275-7706 to schedule a consultation.

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How Are Insurance Companies Different From Insurance Brokers?

As an insurance company, we’re among the many companies that create, underwrite, and sell insurance policies directly to clients like you. We assume the financial risk associated with insuring you, meaning that when you file a claim, it’s insurance companies like us that process and pay out the settlement. Insurance companies like us often offer a range of policy types and typically provide tailored options to meet the specific needs of clients.

In contrast, insurance brokers act as intermediaries between clients and multiple insurance companies. Brokers do not underwrite or assume the risk of policies; instead, they help clients compare coverage options across different insurers to find the best fit for their needs and budgets.

While brokers provide valuable advice and access to a variety of providers, they don’t handle claims or issue policies directly. As an insurance company, we simplify the process by offering comprehensive coverage options and personalized service without the need for a middleman.

Professional Benefits Team Inc’s Insurance Services

We offer a wide range of insurance solutions tailored to protect you. Whether you’re seeking coverage for yourself, your family, or your employees, our team is here to help you find the right policy.

Life insurance
Individual and group health insurance
Dental and vision insurance
Disability insurance
Long-term care insurance

We’re committed to providing peace of mind through comprehensive solutions. Reach out today to discuss your coverage needs and let us guide you toward a secure future.

What’s the Difference Between Insurance Premiums and Deductibles?

A premium is the amount you pay, typically monthly or annually, to maintain your insurance coverage. This is essentially the cost of having an active policy, and it remains consistent as long as the terms of your policy do not change.

A deductible, on the other hand, is the amount you agree to pay out of pocket before your insurance kicks in to cover a claim. For example, if you have a $500 deductible on an insurance policy and file a claim for $2,000, you would pay the first $500, and your insurer would cover the remaining $1,500.

Speak With Trusted Insurance Agents Today

Whether you need insurance for your loved ones or your team of employees, our insurance agents can assist you. We’ll provide you with manageable premiums and a policy that covers what you need. Our experienced team is here to help.

Looking for an insurance company in Bakersfield? Contact us at (559) 275-7706.