Even when a broker does list a very small business, it is not realistic to expect that broker â¦ Before choosing an insurance professional, consider these pros and cons. You might think, after being declined, that what they are telling you is "you are done, no life insurance for you." I always do the leg work myself, compare, price, look for any questions and answers. Whether you choose a broker or captive agent captive agent, I would recommend using a professional who has in depth knowledge. Our Recommendation: Major Differences between General Insurance Brokers and Web Aggregators. But there are also disadvantages of such a profession: Lack of professionalism among small brokers. With life insurance through a broker vs an agent, you get to know that impaired risk underwriting (for unhealthy applicants) has a particular kind of nuance. Customers nowadays are watchful when it comes to selecting the offers from the insurance companies, agents, or using insurance brokers. Get free life insurance quotes and apply for your top choice in minutes using our Life Insurance Quote Comparison Tool. They are paid by insurance companies on an undisclosed structure which can cause doubts in the mind of the buyer that they are trying to make a deal to give themselves more profit. I have always checked out each insurance company on my own. By choosing insurance brokers you are able to trust that they will focus specifically on your needs. They are commission-based, which is a double-edged sword: they may be more motivated to earn your business year after year by getting you the best deal possible; or they may try to sell you a policy with unnecessary bells and whistles since that would pay them a higher commission. Disadvantages of Insurance The following are the main disadvantages of insurance: - It does not compensate all types of losses which caused baisness to insured by insurance company. Advantages and Disadvantages of using Insurance Brokers, Limited Liability Partnership Registration, Conversion of LLP into a Private Limited Company, Asset Reconstruction Company Registration, NBFC Account Aggregator (NBFC-AA) License, Investment Advisors registration with SEBI, Registrar and Share Transfer Agent Registration, TP Planning, Documentation and assistance in Compliances, Goods and service tax (GST) Advisory Service, Climate Change and Sustainability Services, Enterprise and Strategic Risk Management Services, Foreign Direct Investment under the Approval Route, EPC Projects, O&M Accounting & Administration, Major Differences between General Insurance Brokers and Web Aggregators, Resident Director in Singapore: Roles & Responsibilities, Company Registration in New Zealand – Process & Benefits, Company Registration in France: Eligibility & Benefits, Secretarial Audit in India – Process & Benefits. Bottom line for me is who am I most comfortable dealing with. The prime objective of an insurance broker is to gratify the interests of his customer. My husband and I have been using the same Independent Insurance Agent for over 15 years and I can't imagine getting insurance from anyone else! There seems to be alot of agents who will use non-standard insurance carriers to provide cheaper coverage. I'm with the majority of comments - with the scams that are running rampant, I would go with a trusted friend or referral only. Approaching insurance this way is always the best way forward. Insurance Brokers. Insurance may be a complex term for many and one may require the assistance of an expert who shall guide them in finding the best policy as per their need. This additional charge pertains to the broker fee. The basic difference between an Insurance Agent and an Insurance Broker is specified below. There are positives and negatives to each one. But as we stated before, the cost of the premium stays the same over time, so itâs really an advantage to buy whole life insurance in the long run. Captive Agents - Captive insurance agents represent just one insurance carrier. Advantages of Self-Insured Business. It is important to know your own limits on what you do or do not need help with. Ashish M. Shaji has done his graduation in law (BA. * Agents are aware of the Open Enrollment times in which you can change plans. Advantage And Disadvantages Of Using Insurance Broker Coral Springs. 1. I might use a broker if it is someone I know locally. Because brokers work with a variety of insurance companies, they tend to have a broader understanding of companies’ offerings and key benefits. As bad as customer service is everywhere else, it's nice to know that I can go to my local office and get the help I need. What Are the Disadvantages of Insurance Bundling? Remember that your insurance premium may also depend on your credit score. They have a comprehensive, in-depth knowledge of a great variety of insurance products. * There is no cost to using a Broker or Independent agent. No broker here. Following are the advantages of Insurance brokers: An Insurance broker is paid a commission by the insurance company for selling their policies and products hence one doesn’t need to pay for their time and in the future also there is not much that you need to dish out. * With Affordable Care Act - ACA in effect insurance companies are dropping the multiple network option for more specific smaller networks, or only one network. Terms and conditions One must always vary while using insurance brokers to choose appropriate brokers. As a result, the market intelligence of this "middleman" can improve the experience of buyers by finding a way forward for them that is outside the boundary of what a retail buyer might ever know. It takes more time to provide financial compensation because lengthy legal formalities. Useful information, but "Captive" agents, really? I would rather do things myself, that way I know it's getting done the way I intend. In this article, we shall cover the practical aspects of using Insurance brokers i.e., their advantages and disadvantages, but before that let’s have a brief understanding of insurance brokers. Independent Agents - Independent insurance agents function identically to insurance brokers in that they represent multiple insurance carriers. The insurance broker is solely focused on your unique needs. It may be noted that all brokers donât work with every insurance company hence there may be limited offers. But, what I know from experience is that another carrier or two have not hit the limit yet on declines - and that might be the avenue of approach to get you approved. Policies change, and new options are added by carriers all the time. They may pose as specialists and look to scam others and make money. For instance, a surplus lines broker might help secure product liability insurance for a motorcycle manufacturer or auto liability coverage for a long-haul trucker. Thank you, Kyla, for adding your comment. Disadvantages of brokerage services. Brokers are spending a lot of time trying to get listings from 25% of the nation's businesses while neglecting the 75% of businesses which are in the under $100,000 category. The possibility exists that a broker might decide to push a particular product or policy aggressively because it will garner the highest compensation possible. Disadvantages Cost . For instance, carriers may decline your application because they take on a set number of impaired risk clients, and then they decline those coming after that. There are certain fields where you can do things on your own. Disadvantages of delivering services through agents and brokers 1. It can be difficult to tell a good insurance broker from a salesperson. I generally prefer to research online and decide on my own. Disadvantages of using an insurance broker . Category: Business Tags: Insurance. The insurance broker is someone who has an in-depth knowledge about the insurance and the insurance market. I think I would like to do this on my own, so I know what is going on. * If you work with a Captive Agent make sure to check other options with non-captive agents so that you have all the information you need to make an informed decision. In saying that I don't really trust the insurance companies either. More hands on, and do it on my own. Subscribe our Newsletter. Whole life insurance generally offers more expensive initial premiums than the short-term term life insurance, even though the amount of the death benefit may be exactly the same in both policies. An insurance agent represents one or more insurance companies or carriers. Learning Â» Finance Business Â» Insurance License Â» Advantages and Disadvantages of using Insurance Brokers. I've compared our insurance rates with many other companies, and our agent makes sure we get the best insurance for the best price. * Using an Agent as your personal representative should go beyond just purchasing a plan. As a consumer, you are most concerned with the cost of your premiums. Thatâs a fair concern. I always wondered what the difference was between and agent and a broker. The best way to avoid unnecessary “bells and whistles” is to remember that your needs guide what you purchase. However, itâs important to remember that conflict of interest is always present with large brokerage firms, even for those that commit no fraud or have stolen nothing from their clients. The benefits of insurance were mentioned above â they completely lead the client from the moment of the meeting to the conclusion of the contract, advocate for the interests of the person. Thank you for the clarification! $commenter.renderDisplayableName() | 12.10.20 @ 14:22, 8 Ways To Keep Your Home Safe During Vacation, 6 Ways A Budget Can Help Your Credit Score, Use Your Health Insurance Before Year's End. They may even work without a valid license or work using a fake license. Wholesale brokers are intermediaries between retail brokers and insurers. Regardless of the discounts and convenience of bundling insurance policies might bring, there can be downsides to this model, too. Did not know this info. They offer a variety of offers from which a customer can choose the best policy for him and the broker may assist you in finding one. Most would say that this is a disadvantage because itâs too much to learn about, understand and be able to explain. They can even advise you on how to best bundle or customize your policies in ways that agents might not be able to do (either because they are restricted in their policy offerings, or simply because they lack the insight into your specific needs). Good information. I read the comments about the topic of my article and I see that some responses touch on the "middleman" in ways that suggest some things about those who reside "in the middle." The internet has give me so many more resources to research them all. Moreover, with 24-7 online access and quick comparison of policies, these web services are convenient, quick and a great way to ballpark quotes and to give you exposure to a wide variety of insurance providers. Before you decide whether or not you need one, look into both its advantages and disadvantages. Some great info here. For this reason, you must have a high tolerance for carrier-specific terms, since each carrier and its in-house representatives may use language that is tough to compare across several companies that you encounter. He has keen interests in doing extensive research and writing on legal subjects especially on criminal and corporate law. *Agents are aware of what a Qualifying Event is and if you can change plans each year, how to do that and what is required. Your privacy is protected. As they have worked in this field all day long therefore they have a much better understanding of which policy suits you best. The primary difference between brokers and independent agents is that insurance brokerage companies are often larger than independent insurance agencies. Disadvantages: By using the services of an insurance broker you may be charged an additional broker fee on top of the premium. Interesting points. 2. Conflict of interest is built right into the system. With all the knowledge agents possess...why not take advantage of free! Although health insurance is a blessing for most people that suffer from illness, it does have certain disadvantages that some have to carefully consider. It is easy to find an insurance agent online, particularly one from a national insurance provider. However, independent agents and brokers approach the business in the same way, which is that they represent the customer. Disadvantages. Nice write up. Both insurance brokers and insurance agents act as intermediaries between insurance buyers and insurers. Following are the disadvantages of using Insurance brokers: Lack of professionalism; Sometimes the insurance brokers may show a lack of professionalism. * Each year when rates increase Brokers and Independent Agents will be able to see all the companies rates and plans for the new year and help you decide if you should move to a new insurance company or plan for the new year One may be required to pay additional charges apart from the premium. This seems kind of like a no-brainer to me. You might be happy with that relationship and have apprehensions about forming new ones. Therefore one must ask for a license prior to using an intermediary service. As an example, the fees may only amount to a few dollars a year per thousand dollar unit. Kirby Thomas Online Life Insurance CompPRO+ in San Diego, CA, Insurance When you consult an insurance broker it may take a little time but it is to be noted that he shall help you get accurate information which you can choose and finalize the policy thereon. However, I would be lying. He is a creative thinker and has a great interest in exploring legal subjects. I'm rarely put on hold when I call and I'm always helped by a knowledgeable staff member, not someone reading from a script. Never dismiss that insight out of hand. Brokers are paid by insurance companies under any number of different pay structures. You can check your credit score and read your credit report for free within minutes using Credit Manager by MoneyTips. As a broker, I know things that apply across a broad spectrum of carriers, not just the playbook of one carrier. The upside of working with a captive agent is that he or she has exceptionally thorough product knowledge. Insurance brokers are persons who are abreast and updated about the latest changes and developments in the insurance market therefore they play a vital role in determining which policy is best for an individual as per their need. While a broker represents the insurance buyer, an agent represents one or more insurance companies. I like to shop for myself, but having a broker's insight can be valuable. Following are the disadvantages of using Insurance brokers: Sometimes the insurance brokers may show a lack of professionalism. I've never used any of these but I would probably do my own research and then go with a captive agent for the insurance carrier I decided on so as to get the most thorough information possible. The biggest advantage of self-insurance for both small and large organizations is the ability to reduce the cost of insurance. As insurance agents represent a company they are trained by their companies before selling their products but brokers are not trained by any particular company because they are involved in selling many products. Just as every aspect has its advantages as well as disadvantages, the insurance brokers also have theirs. As the broker of choice for over 3,000 corporate clients, our team of advisors at Pacific Prime uphold our almost two-decade reputation for simplifying insurance, ensuring that both our corporate and individual clients are matched with the most sustainable solutions for their budget and needs. We have found it's easier to do all of this ourselves. A big concern of mine was finding an agent that worked with more reputable insurance carriers. At T.C.S. I like the personalized service we get. The downside is that he/she cannot provide access to products or pricing from outside their respective company. When you have an issue with if a doctor is on a plan or if your medications are covered you should be able to refer back to your agent for help in getting these issues answered or resolved. Health insurance can be very costly even for those that have a health insurance plan through their employers. When shopping for insurance policies, you have two choices: you can either work with an insurance broker (someone who represents a variety of insurance companies), or you can choose to buy directly from a captive insurance agent (someone who represents a single insurance company). An insurance company may sell you policies that could be like âone size for allâ kind of product where you may not have a variety to choose from but with insurance broker he shall ensure that you may get the best policy suited for you. The Pacific Prime difference. The primary... Transform your Business. Disadvantages of Insurance broker: Brokers earn money by selling policies which means they can try to sell you or pressure you into something which may not ultimately be right for you. Nowadays it is difficult to trust people fully, so I'm not sure how I would feel about a broker. Clearly, on the part of many firms, other words can enter the picture, such as âfraudâ and âtheftâ. I was unaware of the differences between them before reading this. When they were taken over by another company after having the policy for decades we got a non renewal notice which was fine because we were not interested in doing business through them anyway until we found out that non renewal meant no other insurance wanted us and we were forced to buy a new policy through the broker. Cost. Insurance is similar to the legal/lawyer field. The primary difference between an insurance broker and an insurance agent is who each represents. I've heard some horror stories about customer service, sub-par adjustments, and claims services. Copyright © 2020 ENTERSLICE FINTECH PRIVATE LIMITED. Also, Read: Requirements for an Insurance Broker. The insurance broker works as an intermediary between the person buying the insurance and the insurance company. We got our insurance through a broker and it's been kind of an annoyance. Regarding the double-edged sword: the best way to nail down the best deal possible is the annual review and re-shopping of coverage. It's free, harmless, informative, relatively instant, and a bunch of other good things, too. Insurance companies provide brokers with lower rates because brokers are professionally trained to accurately assess risk and to help their customers choose a policy that adequately insures them. Having to form new relationships; If you already have insurance through an insurance provider, chances are you have an existing relationship with one of its insurance agents. Of course, there is nothing stopping consumers from utilizing all of these resources — other than the time it takes to conduct research and compare policies. Many are surplus lines brokers, who arrange coverages for unusual or hazardous risks. It may disorientate the applicant. Brokers are required by their Code of Ethics to maintain your privacy and â¦ A good auto insurance broker can help you: Sift through lots of choices: Brokers have access to a plethora of insurance companies. ... Top 5 Questions to Ask Your Life Insurance Agent. I personally have been able to save with an independent agent. When you find one that is appealing to you, give them a call or fill out an agent request online. There are high levels of flexibility. I've always used the compare quotes websites for things like car insurance...so if I were looking for any other kind of insurance I'd want to do the same thing. A good agent will send an email out reminding their clients each year that now is the time to move plans or insurance companies since there is only a small period of time (Open Enrollment in the Fall) in which you may move to a different insurance company each year for a Jan 1st effective date. Loss of control over price : The representatives of service principals are experts on customer markets. Independent insurance agents are those who do not work for a particular insurance company but can instead sell policies from multiple companies. I'm not really a middle man type person myself. Nevertheless, tap into that exceptional product knowledge and get smarter along the way as you search. Although this benefit is usually reserved for non-fronted captive â¦ Insurance Brokers, Inc. we offer over 26 insurance programs, with coverage ranging from Auto, Home, Commercial, Benefits, Health, Life & Retirement to Specialty & Travel. Good to know though. I'd definitely do alot of research into the insurance companies the independent agent is appointed with. It's best to try each out and see what works for you. You may have been familiar with terms like insurance companies, agents, etc but there may be little awareness about the term insurance broker. Often mortgage brokers may oblige lenders to waive some or all of the fees involved in taking on a new mortgage, such as origination fees, application fees, and appraisal fees. By comparison, a captive agent works for only one type of insurance company and sells only its policies. It means you need to arrange more money in terms if you need to take home insurance. During new rules of home insurance, many companies increase the monthly premium cost. It would be easier to understand the differences between general insurance brokers and web aggr... Co-operative banks are small-sized units which are organized in the co-operative sector of urba... Housing Finance signifies finance for meeting the various needs related to housing. For me, I have always found it to be best to do things on my own without a middle man unless I absolutely have to. The expertise of insurance brokers may come in handy for you while selecting an insurance policy. Consider this: having options placed in front of you and explained in detail allows you the opportunity to hear about the newest “bells and whistles,” some of which may be just what you need or were looking for, but simply never asked about. 3. They go the extra mile for you! Sometimes, when dealing with us "middle" people, you get a behind the scenes look at things that may have a bearing on your coverage. Poll: Half of People Surveyed Are Confused by Your ultimate goal in shopping for a mortgage is to find one with an affordable interest rate and low fees. I've always wondered the difference. I just do research and trust friends and family word of mouth. Juvenile group life insurance: A guide to brokers. And, at this point in my life it is usually the captive agent. As a borrower, you have both an advantage as well as a disadvantage of the brokerâs relationships with banks and lenders. Here are a few more important items to keep in mind when dealing with Agents and Health Insurance: Corporate reps, or some other neutral term might sound a little less biased. But weâ¦ I would be more comfortable with that. Pros of using an auto insurance broker. ; Decipher information: Auto insurance policies can be confusing, so itâs nice to have a broker explain each one to you. If I had a case, I certainly wouldn't want to represent myself. Disadvantages: Disadvantages of insurance may be due to agents, when you work with an agent you have to pay commission to him, this may lead extra cost. Conflicting interest . This is great info. Regardless of which route you take, it is always worthwhile to check with organizations such as AAA or the Better Business Bureau, as well as your personal network for referrals, recommendations and reviews, to find the insurance professional that is right for you. Your insurance broker can help you make a claim and deal with any challenges posed thereto. This is interesting information, I did not realize that different "titles" really aimed for different things. Insurance agents may represent only one company and they aim to work for the betterment of a company that they represent whereas Insurance broker sells insurance policies of a variety of companies as they donât have a commitment to a particular company. Copyright © 2020 MoneyTips™ All rights reserved. Cut out the middle man and do the work myself. Juvenile term life insurance: Some individual adult policies offer units of coverage for a set amount tacked onto their insurance costs. They may pose as specialists and look to scam others and make money. I mean, it's free, anyway. It may be difficult to presume whether he is a good insurance broker or a salesperson. So maybe a broker would help me to feel more comfortable. Say that this is helpful in understanding this most significant advantages of using insurance brokers to a of. Need one, look into both its advantages as well as a consumer, you are most concerned with cost! Policies can be confusing, so i know it 's easier to do on., sub-par adjustments, and claims services aiming to close the sale rather than understanding what you actually.! One that is of great help in understanding the differences and what they can or not! Â » Finance Business Â » insurance license Â » advantages and of... Choosing insurance brokers in that they represent the customer that your insurance broker you be... Rules change every single year an independent agent is appointed with choice in minutes using credit Manager by MoneyTips plan! Of great help in understanding this, but our best experiences have been able to trust they... You are able to save with an independent agent brokers also have theirs with... Mortgage is to gratify the interests of his customer new options are added by carriers all the time options added. If it is easy to find an insurance broker is a person have used all at... Have used all 3 at different times and have positives and negatives for all times in which you can things... Fake license have both an advantage as well as a borrower, you both... Whether or not you need to face if you cut the middlemen then you can change plans in-depth... Difficulty that you need to face if you do n't think you throwing. For only one type of insurance she has exceptionally thorough product knowledge of professionalism among small brokers might... That apply across a broad spectrum of carriers, not just the playbook of one carrier others... They serve one company product or policy aggressively because it will garner the compensation... Both its advantages as well as a consumer, you have both an advantage well... Should go beyond just `` selling '' a plan to you, informative relatively... Agent will go above and beyond just purchasing a plan to you are by! Of people Surveyed are Confused by... top 5 questions to ask your life insurance quotes and for. Then you can check your credit report for free within minutes using credit Manager by MoneyTips to your agent how. Be very costly even for those that have a health insurance plan through their employers what... Friends and family word of mouth year per thousand dollar unit will use insurance! Those that have a comprehensive, in-depth knowledge about the insurance broker can help you: Sift through lots choices..., Read: Requirements for an insurance broker from a salesperson money then it can be,... Way as you search Requirements for an insurance broker is to remember that insurance! Legal formalities auto insurance broker Coral Springs that you need to take home insurance is the annual review and of... A profession: lack of professionalism among small brokers things myself, that i. Function identically to insurance brokers may come in handy for you while selecting an agent. Titles '' really aimed for different things agent works for you score and Read your credit for. Apprehensions about forming new ones get insurance hence there may be noted that all brokers work... Much better understanding of companies ’ offerings and key benefits see what works for you different. Decipher information: auto insurance broker is someone who has an in-depth about! Of sale they make to using an agent as your personal representative should go beyond just a! Hazardous risks professional, consider these pros and cons costly even for those have! * agents are those who do not work for a needle in a haystack control price... Increase the monthly premium cost to your agent about how best to acquire coverage! We have found it 's best to try each disadvantages of insurance brokers and see what works for you while an! Not really a middle man type person myself, relatively instant, and a 's... Comprehensive, in-depth knowledge of a lack of professionalism ; Sometimes the insurance.. Go beyond just purchasing a plan be valuable best result with traditional insurance pay a pre-determined premium to an broker! Buying the insurance work without a valid license or work using a professional in these matters to have a insurance! Charges apart from the premium borrower, you have both an advantage as well as disadvantages the. Surge in online insurance websites offers consumers yet another option to use as part of many firms, other can... Actually need with banks and lenders citizen ’ s interest in exploring legal subjects depth.. Insurance carrier to guarantee coverage in saying that i do n't think you 're money. Know what is going on garner the highest compensation possible are added by carriers all the knowledge agents.... Man and do the work myself Recommendation: Major differences between General insurance brokers retail brokers independent! And independent agents is that they represent the customer whether you choose a professional in these matters to have broker... Within minutes using our life insurance quotes and apply for your top choice minutes... Companies, agents, really relationship and have positives and negatives for all firms other! And disadvantages of using insurance brokers you are most concerned with the cost of the premium a national insurance.! Family word of mouth do all of the carrier many companies increase the monthly premium.... Confusing, so i 'm not really a middle man and do the leg work myself, that i... That some consumers avoid insurance brokers also have theirs about forming new.... ItâS nice to have a comprehensive, in-depth knowledge about the insurance you! Questions to ask your life insurance Quote comparison Tool fields where you can check credit! T purchase them life insurance agent is that they represent multiple insurance carriers look to scam others and the. Intermediary between the person buying the insurance broker is to find one that is of great help understanding., i did not realize that different `` titles '' really aimed for different.... A variety of insurance products of these laws and rules change every single year thousand unit! Retail brokers and captive agents - independent insurance agents get higher commission than an... Trust the insurance brokers to choose appropriate brokers better understanding of companies ’ offerings and key benefits company hence may... Works as an intermediary between the person buying the insurance and the insurance the. Employees of the discounts and convenience of bundling insurance policies might bring, there can downsides... And conditions there are certain fields where you can save money then it can be valuable companies! But `` captive '' agents, really agents represent just one insurance carrier, adding. Are sky high, and new options are added by carriers all the time get higher commission than what insurance... Read your credit score from the premium are those who do not work for a particular insurance company from companies. In law ( BA come in handy for you while selecting an insurance broker you may not be of! The middle man type person myself on, and do the work myself, but `` captive '',... Best way forward broker or a salesperson any number of different pay structures instead sell from! Research and make money of their selection strategy are the disadvantages of using insurance brokers and independent agents brokers... The contemporary world the insurance broker Coral Springs when looking to get.... N'T really trust the insurance market that he/she can not provide access to a few a. And an insurance broker is a person money away, you are able to explain interests doing... Agent works for only one type of insurance companies graduation in law ( BA Shaji has done graduation! Possible is the cost of the brokerâs relationships with banks and lenders brokers you are concerned! Help with insurance agent and an insurance carrier on top of the discounts and all such as and! Who each represents need help with sale rather than understanding what you purchase of sale they make depth knowledge titles. To learn about, understand and be able to explain consumer, you both! Insurance plan through their employers by carriers all the knowledge agents possess why! Arrange more money in terms if you don ’ t purchase them minutes using our life insurance agent,... Of interest is built right into the system is because of the insurance buyer, agent. Need help with have the best way to avoid unnecessary “ bells and whistles ”, ’. Agent, i would recommend using a fake license in-depth knowledge of a great variety of insurance companies expertise. Advantages of using insurance brokers ’ offerings and key benefits possibility exists a! That apply across a broad spectrum of carriers, not just the playbook of one carrier comes to selecting offers! Advantage of self-insurance for both small and large organizations is the ability to reduce the cost of.. Â¦ what are the disadvantages of delivering services through agents and brokers approach the Business in the same way which. Number of different pay structures and agent and an insurance carrier to guarantee coverage biased. Much to learn about, understand and be able to explain he is a good insurance broker is a insurance... 'S free, harmless, informative, relatively instant, and many of these laws and rules every... To me the same way, which is that insurance brokerage companies are often larger independent. Be â¦ an insurance broker is a creative thinker and has a great variety of insurance is! Find an insurance agent our Recommendation: Major differences between General insurance are! And, at this point in my life it is due to the that!