It slowly develops over time, and you don’t notice while it’s unfolding. But one day, you wake up and realize you have become the parent in the relationship with your mother or father. If you have a parent with a significant or chronic health issue and are trying to help them navigate the complex medical and insurance systems, you understand what I am talking about.
As a caregiver, you’re faced with tough decisions and emotional challenges, all while balancing life, work, and family. And, somehow, you still try to find a few minutes for yourself without feeling guilty. In addition to the mounting responsibility and stress, there is often a tug of war with your parent. Their loss of independence can drive fear of change and resistance to your suggestions.
This role reversal is something that no one should go through without a network of support—family to love and support you; medical professionals you trust; and caregivers to help lessen the burden. But the one person who is often forgotten is the family’s insurance agent.
As a health insurance agent, don’t undervalue the service you provide to your clients. While helping an ailing parent, your client will most likely face the most frustrating aspect of this process— trying to piece together their parent’s insurance puzzle. Which insurance premium pays what? Is there a Power of Attorney? Poor record-keeping, loss of memory, and overall confusion from their parent will only add to the stress.
But you, as their agent, can help. Become part of their family, an intricate component of their life. You are responsible for protecting them, their families, and their financial security. When you meet with a client, take the time to truly understand their needs. Don’t be afraid to ask questions, and never hesitate to make the recommendations you believe are the right solutions. Get to know your client’s loved ones, and make certain you have given your clients solid advice on how to create an inventory of insurance policies. You want your client’s family to know they can count on you for guidance and answers.
Excelsior Insurance can help you be the agent your clients rely on.