There are a number of reasons to use a life insurance agent rather than looking for a company and provider on your own. The number one reason is that an agent will rarely be taken in by a scam.
The internet has made it easier than ever for scam artists to find prey, and for regular people to fall victim to these scams. They can easily set up a website advertising a specific type of life insurance, then use that site to steal personal information, bank account information, and money from naive individuals. Some of these sites are quite believable, and easy to fall for. There have been instances of sites stealing information simply by the questions they ask of those seeking more information.
An insurance agent is significantly less likely to fall for one of these scams. They also have more resources available to them than most people do. An insurance agent can run your information through the same risk assessment programs that the insurance companies do. They can then determine which companies will accept your situation, and help find you the best rates.
Finding one of these agents is quite simple. You can start by asking at the human resource department at work, or the department that handles your health insurance. They can suggest a few agents, or a company to use. Another way to find an agent is to look in the phone book, or look online. Its important to find one in your area because you will want someone you can feel comfortable with. It may also be necessary to meet directly with the agent to discuss your situation. You can also consider asking your friends and family for recommendations.
Using an insurance agent to find the right life insurance policy can save you time, frustration, and money in the long run.