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.

27 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.

    Hershel Duffey

    ReplyDelete
  2. I'm sure coming again to construe these articles and blogs
    auto loan refinance

    ReplyDelete
  3. Life Insurance with asthma can be hard work other insurance agency will decline a prospect insurer to have a life insurance because you have an asthma, but once we are open to our insurance agent and our asthma is put into category, lead to having a more accurate life insurance quote, as well as being place with the right insurance carrier.

    ReplyDelete
  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.

    Audrina Jackson

    ReplyDelete
  5. Your blogs are totally worth gift quantify and liveliness.
    life insurance quotes

    ReplyDelete
  6. This comment has been removed by the author.

    ReplyDelete
  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.


    Term life insurance

    ReplyDelete
  8. Thank you so much .That is an awesome post. You have really layed out your points in great detail. Very easy to follow with good content. Weight lifter should take get hold of this post, read and impliment the points outlined.

    insurance company
    insurance agency
    car insurance

    ReplyDelete
  9. These tips are very useful for choosing life insurance agents and its really important to compare insurance before buy insurance online India.

    ReplyDelete
  10. I thought this blog is all about health tips and information on asthma. If any of you who are looking for information about asthma health tips please visit my blog at www.asthmahealthtips.blogspot.com.

    ReplyDelete
  11. I’m flattened for your blogs writings and blogs as well.
    term life insurance quotes

    ReplyDelete
  12. This is very informative especially to those who have letters of instructions who do not know what to do with it. Life insurance agents can help!

    ReplyDelete
  13. It's always best to choose a reputable insurance provider when looking for affordable life insurance

    ReplyDelete
  14. Hi mates, how is the whole thing, and what you are longing to say about this post, in my view it’s very splendid on behalf of me.life insurance online

    ReplyDelete
  15. I appreciated what you have done here. I enjoyed every little bit part of it. I am always searching for informative information like this. Thanks for sharing with us...Certified Financial Planner Training

    ReplyDelete
  16. Useful information shared..Iam very happy to read this article.

    Benefits of choosing Auto insurance policy

    ReplyDelete
  17. This is the perfect blog for anyone who wants to know about this topic

    Insurance quotes auto

    ReplyDelete
  18. I agree with all of the points keep up the good work.Thanks for sharing this.

    goodyear brand licensing & harper’s bazaar licensing

    ReplyDelete
  19. Thank you very much for sharing on this very nice info with us, your idea is more helpful for me.



    Bedrijf verkopen & Management buy in

    ReplyDelete
  20. It’s really such nice information to get advantage from.life ins quotes

    ReplyDelete
  21. Hi guys, when I am actually willing of reading these blog post to be updated regularly. It offers fastidious stuff.insurance agents in gettysburgpa

    ReplyDelete
  22. I havent any word to appreciate this post.....Really i am impressed from this post....the person who create this post it was a great human..thanks for shared this with us.

    playboy brand license & goodyear licensing

    ReplyDelete
  23. Really nice blog.very informative and useful..
    I liked the way You explained very briefly about the Choosing a Life Insurance Agent
    Compare Insurance Quotes Online
    .

    ReplyDelete
  24. Great post. This post have informative information. We can mutual funds online very easily now. Mutual funds
    is the best and safe investment todays.

    ReplyDelete
  25. how to become lic agent in delhi
    If yor are thinking about LIC Agent Registration or Want to become LIC Agent in Delhi or How to become LIC Agent in Delhi, Mr. Sandeep Kumar, Development Officer profession of giving job oppurtunity Be your own boss Sky is the limit of your earnings to this Organization and I am proud to say that "No other happiness can be greater than giving someone a helping hand in their worst time".

    ReplyDelete