The Shopper is a local paper that features businesses in the area so the community can learn more about who they are and what they do. I recently had a feature article in the paper. Of course you can read the About Paula page, but this article gives you even more insight as to what makes P Q Wallace Insurance Consultants different from other insurance companies and how I came to be an insurance agent. Click on the image below to enlarge the document so you can read it. Or you can download the PDF file.
It is an honor indeed, to have AARP Medicare Plans from United Healthcare recognize me as a level 2, “Authorized to Offer” agent. Every “A2O” agent is required to meet rigorous criteria to become “Authorized to Offer” status. Even though I pride myself on being a professional to all my clients and the insurance companies that I represent, it is this particular company who recognizes that professionalism. In order to qualify for this I had to meet certain standards and ethics. Some of these include:
- Demonstrated competency and experience requirements
- Commitment to community service
- Required agent training on product, ethics and needs analysis, as well as regulatory training requirements
- State licensure
- Annual disciplinary history and background check review, including third-party credit and criminal checks
- Requalify every year
- Sign a code of Ethics
- Protect consumers through required Errors and Omissions insurance
- Not engage in door-to-door marketing or cold calling
- Meet with you in the place of your choice
- Place you with the best product for you. I am commission “neutral” meaning I don’t push you to a product that pays me the most.
- Give you a clear explanation of who you are doing business with
- Clarify all consumer disclosures and provide you with the limitations and exclusions of product
It is important to you because an “Authorized to Offer” agent:
- Can provide you with personalized service and can assist in finding solutions to fit your needs.
- Can address the complexity of many of the insurance and financial products AARP members may need in order to have protection and a sense of security.
- Can meet with you in-person to address your specific questions and concerns and can lead to a more thorough understanding of how the solution addresses your unique needs.
You can expect me to be a trusted professional and practice four core principles:
- Approach every interaction with integrity
- Put client needs first, even if it means recommending a product not branded by AARP
- Be an expert and stay informed
- Display a commitment to the community.
For further information, please refer to the official Introducing “Authorized to Offer” Local Agents brochure (You will need Adobe Reader installed on your computer to view this document. Adobe Reader is available for free here.)
An independent insurance agent is contracted with many reputable insurance companies rather than employed (captured) by just one. This allows the agent to “shop” for the best coverage and policy for you.
People often ask me, “What are those initials behind your name?”
I proudly add LUTCF after my name. It is an acronym for Life Underwriting and Training Course Fellow. It is a professional designation conferred only upon those individuals who meet or exceed the exacting qualification standards determined by the two organizations that jointly sponsor the designation, The American College and the National Association of Insurance and Financial Advisors (NAIFA).
According to them, the designation marks an agent’s long-term commitment to professionalism on behalf of clients, establishes the agent’s competence and business experience, marks a commitment to The American College’s and NAIFA’s Code of Ethics and fosters additional professional development.
A Fellow has successfully completed five courses of the curriculum, in addition to an Ethics Course and be a member in good standing of NAIFA.