Things to Consider when looking for a Policy.
Finding the Life Insurance Agent that is right for you.
Written by Willie Ware
Find the best rates on a variety of life insurance policies from more than 100 carriers nationwide.
My first suggestion would be to begin by searching for Life insurance Agents in your area. Make a list of those agents and call them to discuss your life insurance needs. Choose agents from the list that you feel most comfortable with and if you are like most people, your life insurance needs are not something that you think about on a regular basis. However, if you have young children or other dependents, or you want to take care of your final expenses,then it is important to have a life insurance policy in place. Give this as much attention as you would any other important decision that you have to make.
Tips for Finding a Good Life Insurance Agent.
When looking for a life insurance agent, it’s important to ask around and see who the people that you trust might recommend. A family member or acquaintance might know a good agent that they’ve had a positive experience with. For some people, finding a good life insurance agent can make a huge difference. When looking for somone to provide you with the right coverage, price and peace of mind.
There are a few things to consider when you’re choosing an agent, but these tips should help guide your search:
Ask what is their experience in this field?
Get recommendations from people you trust.
Ask the agent for references.
Ask them about the company’s training and their expertise in life insurance.
Checkout their reviews online, as that is usually a good indicator of what people think about this person. Ask them how do they typically meet their clients? It can be a challenge to find the right life insurance agent just by a voice on the phone. Others may want an agent that is experienced in life insurance, so they are not overwhelmed by all of the information. If you’re looking for an agent that specializes in life insurance, search for “life insuranceagents” or “life insurance companies.” This will provide a listas a starting point. You preferrable want someone that you can communicate withon a personal level to make sure you will be able to get the questions answeredthat you need.
Do they provide free consultations?
There are many things to consider when finding a life insurance agent. It is important to ask the agent if they have experience in the industry, and make sure that their companies they deal with have strong ratings. It is also important to ask how long the agent has been in business and what has been their experience in the industry.
How to Judge a Life Insurance Agent’s Credentials?
Thefirst thing you should do when judging a life insurance agent’s credentials isto see if they have the proper licenses. If not, it does not matter how much experience or education they have, they should not be trusted to sell you a life insurance policy. You can always do a license lookup with the State Department of Insurance.
Continuing Education?
Life insurance agents should maintain a baseline of product knowledge, competence,and continuing education relevant to life insurance. They should have to renew their license every two years or so by completing courses that are current and up to date with the latest insurance industry knowledge.
Look at Their History.
Checking the agent’s complaint and enforcement history is another step you can take to protect yourself as a consumer. Finally, searching for information on the internetabout the agent. Remember that not all complaints are valid, so be sure to check the source of the complaint before making any decisions. A great resource for finding complaints is Google Search (example: “Jane Doe complaints”).
Captive Agent vs. Independent Agent-Broker.
Besides the licenses, you might want to consider an Insurance Broker, versus a captive agent because they can offer you many different options for your coverage. Agood agent will help you find a policy that is right for you from a multitude of options.
Professional Designations?
Someone who is looking for an insurance agent could ask to see if the agent has any professional designations. Insurance agents can be certified, and this proves that they have a certain level of knowledge in the industry. This is a good way to judge the quality of an agent’s credentials, and it also says something about how serious they are about the profession.
Which life insurance companies does the agent represent?
You want to know that the agent is dedicated to providing you with the best service possible, and not just collecting a commission. Upon request they will gladly supply you with a list of carriers that they represent. They might even have a list prepared for whenever this question comes up. A good agent will be available for questions at any time. They should be able to provide you with references of people they have helped and should be willing tomeet with you in person. If you are looking for a life insurance agent, ask around.
Conclusion:
You should do a little research when you begin looking for a Life Insurance Agent to help you with a policy. Life Insurance can be a little complicated, but it shouldn’t be that difficult with someone who is knowledgeable about the process. This will also help you to get insuredproperly and without being declined, because that is like have a bad mark onyour credit report. It stays on your insurance record for a number of years,and it makes it more difficult to get insured.
Aware insurance Services experience team can help you get the coverage that you need.Please feel free to reach out to us at our toll-free number 855-223-3023, M-F 9 to 5 pm. or email us at bill@awareinsurance.com
