How Should I Choose A Life Insurance Agent?

Finding a reliable and suitable agent is important to ensure you get the right insurance policy. Here are some valuable tips that will help you find the best life insurance agent to suit your needs.   

Referrals  

Referrals to a life insurance agent are helpful, depending on the source. Professional advisors like financial planners, attorneys for estate planning, and accountants will usually provide you with trustworthy referrals. However, the referrals should be evaluated to make sure that the agent is right for you.  

Experience  

When choosing an agent, look for someone with at least three or four years of experience under their belt. (Only choose an inexperienced agent if they can work with someone with experience who will guide them through the process.)  All in all, an experienced agent will have a better understanding of insurance policies, and they will make sure you get the policy you need.  

Expertise  

A good life insurance agent should maintain a baseline of insurance product knowledge and competence and have education relevant to life insurance.  

Licensing  

You should check with your state’s insurance department to ensure that your agent is properly licensed and in good standing. Make sure you check their license status online, which is easily accessible. The agent selling a life insurance policy must be licensed with the insurance department in the state where the agent insurance policy is sold.  

Complaints 

While you check on state licensing, you should also check to see if complaints have been filed against the agent.