Meet Karl. Karl is a nice guy. He’s married and has two kids. He works at least 8 hours a day and spends all of his free time with his family. For all intents and purposes, Karl is just your average guy.
But Karl also has a secret. He’s not just your ordinary guy who goes to work and comes home to his family every night. Karl, in many ways, is a superhero.
Karl is an insurance guy.
Now, before your eyes glaze over and you scoff at the idea, think about it. When your car rolls into a lake or lightning strikes your house, after 911, who do you call? Who do you depend on to help you sort it all out?
Uh huh. You call Karl or one of the other 400,000-plus insurance agents in the United States (US Bureau of Labor Statistics, 2010).
Not convinced? Here’s an example. Let’s say you fall in love with a house in Brentwood, all four bedrooms, three baths’ worth. Are you really going to write a check for 10 percent down and get a mortgage for the balance without insuring it? Of course, with a mortgage, you’re legally obligated to do as much, but this is a job for Karl. He can research the available coverages and find you the best rates that you can afford. Karl’s a pretty good guy for doing that. Now, let’s say the unthinkable happens. You’ve got friends and family over for a barbeque. A stray ember catches the wind and ignites the curtains, and before you know it, your beautiful Brentwood home is ablaze. The house isn’t destroyed, but it’s going to take more than your checking account balance to fix it. Who ya gonna call?
Karl! Karl Susman!
Getting the point?
Karl, the insurance guy is the one who has the power to take you from a bad situation and make it better.
When your policies are up for renewal, Karl finds you a better rate. You love Karl.
When your car breaks down on the 405 and the tow to your mechanic in West Los Angeles is free, you love Karl because you let him talk you into getting the tow rider.
When your nosy neighbor slips on your driveway and sues you, Karl informs you that your insurance will cover her medical bills. Again, you love Karl.
Karl is your hero. And unlike some superheroes, you don’t have to put a signal into the air. A simple phone call will do.
So, the next time you see Karl, pat him on the back and buy him a cup of coffee. And review your policies while you’re at it.