How to Pick a Life Insurance Agent to Help Protect Yourself and Your Family

The Trusted Advisor

Throughout this guide, there have been references to the importance of consulting an insurance professional when buying the various types of coverage you want/need.

A life insurance agent is more than just a salesperson. He or she is an expert in analyzing risk and finding the coverages that minimize the risks you face. Good insurance agents don't tell you what to buy, they present you with a series of options and recommends which option is best for you. You make the purchasing decision(s).

If you decide to use insurance agents as opposed to buying the coverage(s) directly from an insurance company, what should you look for?

Consumer TIP: First and foremost, the life insurance agent must have extensive experience in the coverage(s) you want/need. Insurance is a business of specialists, mainly because it's next to impossible to understand all the coverages (or lines) that are available.

Some insurance agents specialize in selling insurance to businesses. Other agents concentrate on coverages for individuals. That's the kind of agent you want, a personal lines agent. (If you are running a business, you will want a commercial lines agent to recommend coverages for your business.)

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