A little bit about me

langille_headshot2 7.35.52 PMI started this site because I think an educated client is the best client. There is a tremendous gap in knowledge between insurance professionals and their clients and it’s because insurance products these days are marketed one way and one way only—price.

You see, no one wants to educate the customer anymore, and the customer isn’t exactly in a rush to figure things out either. That’s a major problem—especially when it comes to making an insurance purchasing decision.

Most insurance agents don’t want to take the time to educate, because at the end of the day, they are assuming that in the customer’s mind, it’s all about price, so why bother?

Unfortunately much of the time that logic proves true. Insurance products are so price-driven, that to consumers, that’s all that matters sometimes—or at least they think that’s all that matters.

You don’t have enough fingers and toes to count the number of commercials or radio ads you see and hear about “saving you money on your insurance”. It’s amazing really.

That mindset is bad for an insurance agent and/or a buyer, because it could put the customer at risk if they don’t understand exactly what they are buying.

As an insurance adviser/agent, that goes against the very duty of your job—preventing risk. Remember that an insurance policy is a legal contract between you and the insurance company and you need to understand it.

My start in the business..

I started my career in the insurance industry with AIG in 2004.

Within about 3 months, I found my groove and was consistently one of the top reps in my department. It was a great company to work for, and I made a ton of friends there but it didn’t take long before I was burnt out.

At AIG, you were paid to be on the phone all day long. After three years of doing the exact same thing every day, I just couldn’t do it anymore. I was like a robot working in a factory, and it just wasn’t fun anymore. I left in 2007, and began working with Market Street Wealth Management, an established wealth management firm located about 20 minutes south of Philadelphia in West Chester.

Being Independent

One of the biggest draws for me in leaving AIG and coming to Market Street, was that Market Street Wealth Management is completely independent in everything they do.

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As an adviser, I have access to a wide range of products and solutions so I can find whatever solution I want that fit’s the client’s needs, instead of “forcing” the client into the only solution I have. Make sense?

If you walk into a Ford dealership, they’d never tell you that you could buy a Dodge with better features at a lower price right down the street because they don’t sell Dodges. Their job is to sell you a Ford, and they’ll do whatever they can, even if it’s not ethical to get the sale.

You can read more here about why you should only do business with independent advisers.

At AIG, I only had access to AIG’s products, and on top of that, I was monitored into selling them.

At Market Street Wealth Management there are no corporate sales objectives, or hard selling tactics that one must abide by. In fact, our mentality is the exact opposite.

Our main objective is to build a long term relationships with our clients because at the end of the day, the only way that you can truly give someone sound advice is if you know them (on more than an adviser/customer basis).