I wondered today, because I am getting a visit from an independent broker, whether you can trust them at all. Do they really want the best for me or for the wallet?
I would always look up on the Internet before such an appointment what you actually need and what to pay attention to, then you should only let the agent show you what you need and then look for the cheapest option and say that you only want exactly that. Then the agent has no chance to sell you any crap anymore.
It really always depends on what kind of broker you get. One is kind and fair, and the other only thinks about the money he earns. But I don't think that can be generalized. That wouldn't be fair either. Maybe you know people he has already worked with, then you can ask them.
So I also find the whole thing really strange. Then I have a representative come and spend hours advising me and I sign something. Then the next one comes and says that it's complete nonsense and that his product is much better. Then another one comes and claims the same, no one is supposed to understand anything.
That's exactly what I also find rubbish, you can't see through it anymore. And the insurances are also getting harder and harder to compare, because one has this service included and the other again a different one. You really have to know exactly what you want and then you can do without a broker, then you go on the internet and get the insurance you want.
Yep, I can only agree with Sascha on that, nobody needs a realtor. I'd rather look for what I need myself and then do the whole thing online. It's usually even cheaper if I do everything online directly, so why should I listen to some chatterbox