How To Find a Life Insurance Agent — What You Should Be Asking

How To Find a Life Insurance Agent — What You Should Be Asking

Health and Fitness December 11, 2015

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Life insurance policies are some of the most valuable investments you can make for yourself and for your family, and unfortunately, people often forget just how important these policies are! If you’re feeling a bit intimidated or overwhelmed by your choices, you definitely aren’t alone; it’s common for most American adults to feel unsure about the policies they should be looking for.

Luckily, finding a life insurance agent will help you out a lot during the whole process. Here’s a quick list of questions that you should be asking if you’re not sure how to find a life insurance agent who will give you the best choices in life insurance policies:

  • Does the agent work independently or with a company? Some life insurance agents work privately and some within a company (usually in a company that offers other types of individual health insurance policies). If you want to have the largest possible selection of policies, you might want to consider looking for a life insurance agent who operates independently and can sell you plans from multiple companies. If you don’t want the hassle of sifting through so many policies, it may be more convenient to find a life insurance agent who works within a company.
  • How long has the company been in business? You’ll want to know how long it’s been providing life insurance plans, what the size of its customer base is, and how well customers typically rate the company. A company with great credentials and with a long history of positive reviews will likely be the best option, regardless of which specific policy you choose.
  • Does the agent have the proper licensing? Life insurance agents are required to be licensed in your state and should have active licenses that haven’t expired. If you don’t feel comfortable directly asking the agent about his/her credentials, you can always check with your state’s insurance department records.

Remember, when it comes to finding the best life insurance policy, you deserve to find a life insurance agent who can help you through it all!