Finding a life insurance agent is nearly as simple as purchasing insurance online. There are agents working for major insurance companies, working for banks and other financial institutions, brokerage offices, and indepent agents working on their own.
Of course, many prefer purchasing insurance online and why not? You feel more secure about purchasing online, since there is no one there to look over your shoulder. However, once you purchase insurance online it seems like you get flooded with emails regarding your purchase. Hackers are always a concern, so while you may feel it is the securest way of insuring your privacy it may not be as private as you may have hoped.
The other drawback to purchasing insurance online, is that you may not entirely understand how the particular policy works with that certain company. If you don’t have someone to help you understand your policy, you could end up with a future dilemma on your hands.
Insurance agents have been trained to help you, as a buyer, make the best decisions about your future. What goals are you setting? Who are your beneficiaries? What happens if I need to use my policy? How soon can my family expect to see their settlement after I pass? These are questions you won’t have to seek an answer for, when you speak with an agent.
Agents have to constantly keep themselves up to date with their educational requirements. This means every agent you speak with is certified through their respective state. They are there to help, no matter what time of day it is.
You should feel comfortable with the agent you have chosen to do business with. If you feel they are pushy, then they may not be the agent for you. Those are the agents seeking a hefty commission check. Insurance has to feel right to you, don’t buy something someone forces up you. Always have questions ready for the agent, if they can’t answer a particular question then that is another sign they may not be right for you.
The best way to find an agent is by word of mouth. Talk to those around you, maybe they know someone you can speak with. You can always find ads in telephone directories, or agents leaving their business cards around, we really are easy to find. Most of the agents, like myself, are always trying to find business for ourselves.
Remember. How much is peace of mind worth to you?