Thursday, October 11, 2012

Tips for Choosing a Life Insurance Agent

Choosing a good insurance agent is essential. Good insurance agent will help you get the right life insurance quotes and make your insurance experience enjoyable. Remember that your relationship with your family and the insurance company is long-term, even beyond the age of your life. Insurance agents are intermediaries who represent you in front of the insurance company and the insurance company representative before you. Here are three tips to choose a good life insurance agent.

Choose an agent with integrity
The integrity of an insurance agent is much more important than anything else. Many features of the insurance policy are quite complex and not all of them are equally important. Some agents recommend specific products for no other reason than to get a higher commission. Find someone who will act as your partner, to provide additional information, propose alternatives, and does not force you to buy the product. If you get too much pressure for a quick buy, move on to someone else.

Choose a professional agent
You need to make sure that the agent you choose has the expertise to meet your needs:
  • Check the license agent. Life insurance agent must be licensed to sell insurance products. Agents who sell unit-linked insurance products must have an additional special license. To obtain these licenses, an agent must pass a number of exams in their fields of competence. Unlicensed agents can convey product information inaccurate or misleading information to customers.
  • Know specialization agents. Some insurance agents specializing in traditional life insurance, while others may go deeper in the field of unit-linked life insurance, group insurance or health insurance.
  • Know the qualifying agent. Professional degree such as Chartered Life Underwriter (CLU), Chartered Financial Consultant (ChFC), Certified Financial Planner (CFP) and Life Underwriter Training Council Fellow (LUTCF) indicates that the agent has completed advanced training, passed rigorous exams and serious about professional Development . Agents who are members of the Million Dollar Round Table (MDRT) meanthe agency has entered the elite ranks top. They must have had a long list of clients, long experience and follow a strict code of professional conduct.
Choose from several agencies
If necessary, meet directly at least two insurance agents in order to make a comparison in terms of qualifications and character of agent and suitability of products offered. Nothing can replace direct contact in judging someone. A good agent will diligently listen and ask questions about your situation and help develop the right insurance solutions for your specific needs. If you are not comfortable with your agent after face to face, or you're not sure it provides the services you want, find another agent.

29 comments:

  1. I agree that you must choose a licensed agent. This goes without saying, but a licensed agent without any care for you will be just as bad as any other agent out there. The agent needs to be approachable, can give you all the information you need and can explain every data clearly to you before choosing a policy.

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  4. It’s advisable to find some referrals. Ask your close friends and relatives if they know a trustworthy life insurance agent. They will definitely give you an agent who can deliver and can meet your expectations.

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  7. A life insurance agent should be qualified.without seeing their degree don't take any advise or buy any policy otherwise they would mislead you.


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