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?
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.)
<< A Good Long Term Care Policy | Index | Agent Types >>
Seeking Life Insurance?
- Term Life Life Insurance - Protect your family for a specified period of time, called a term.
- Key Person Life Insurance - Sheild your company from the consequences of big loss
- High Risk Life Insurance - Special life insurance for those who have trouble finding great rates for their life insurance
- Permanent Life Insurance - Universal life insurance is permanent and flexible
