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 150 insurance carriers nationwide with Aware Insurance Services.
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.
Tips for Finding a Good Life Insurance Agent
When
looking for a life insurance agent, it’s important to ask around and see who
people recommend, because someone might know a good agent that they’ve had a
positive experience with. For some people, finding a good life insurance agent
is one of the most important decisions they will make. When looking for someone
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.
Check
out 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 insurance
agents” or “life insurance companies.” This will provide a list
as a starting point. You preferrable want someone that you can communicate with
on a personal level to make sure you will be able to get the questions answered
that 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?
The
first thing you should do when judging a life insurance agent’s credentials is
to 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. 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 internet
about the agency or individual is also a good way to get more details.
It’s
important to 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. A
good agent will help you find a policy that is right for you.
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 to
meet with you in person.
If you
are looking for a life insurance agent, ask friends or family members
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 these prove
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.
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 insured properly and without being
declined, because that is like have a bad mark on your credit report. It stays
on your insurance report for a number of years, and it makes it more difficult
to get insured. Aware insurance Services experienced 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
shoot us an email at bill@awareinsurance.com
