How To Find A Good Life Insurance Agent

A life insurance policy may be only as good as the agent that represents it. You could have the best terms in the world, but if your agent is not committed to serving your needs, or if she doesn’t seem to know what she’s talking about, the policy is not likely to do you much good. First, be sure that your insurer is in good standing with a reputable company. If the person is working independently, there may be a loose or non-existent system of checks and balances to ensure that person’s integrity. Ask about your agent’s credentials and company affiliation, as well as how long the person has worked in the insurance industry. Communication is an important part of the policy process. You need prompt, accurate, complete information from your agent that is delivered in a timely, polite manner. Someone who is curt, hurried, or vague is not going to be much of an asset in helping you secure an insurance policy or in carrying through when the policy is claimed. It’s a good

idea to interview agents before buying life insurance, especially if your initial interaction has been handled over the Internet or by e-mail. Arrange a time to talk face-to-face or at least by telephone before committing to a certain policy. That conversation may provide some idea of what to expect from your agent in the future. If your agent does not follow up appropriately to your requests for information, that is probably a signal that you should heed and shop elsewhere for life insurance. A good life insurance agent will work on your behalf to get the best policy coverage for the best price. If you are in doubt about your agent’s efforts, start seeking quotes from other agencies.