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Ask your friend who can refer an agent Depending on the source, referrals for a life insurance agent can be beneficial. Your friend or family member who is knowledgeable about insurance is more likely to make a reliable referral recommendation than a company’s representative.
Look at the experience of the agent You want a life insurance advisor who has been in the business for at least three to five years. If they have less experience, they should work with an experienced agent who will be involved in the process in case you have queries or very specific needs that should be addressed.
Check for expertise Life insurance agents should maintain a strong base of product knowledge, competence, and continue their education in life insurance.
Read reviews of the agent You can conduct an internet search using the agent's name to find reviews about the agent. This will tell you about their conduct and reliability.
Try to find possible complaints against the agent When you check the agent's licensing, you should also see if the insurance department has received any complaints. Based on this, you will know if the agent is suitable for your needs.
Search on the internet for multiple options Begin your investigation online. You can look for advisors in your city or in the neighborhood where you live. Examine the websites of advisors and insurance providers, as well as social media platforms.
Designation Start by inquiring about the agent's designation and how it is useful and relevant to you.
A Set of Questions You Should Ask the Insurance Agent Before Finalising
IRDA may allow agents to sell products from multiple insurance companies. Individual agents who surrender their existing agency license and pass the broker exam can sell multiple insurance policies.
As you know, a captive life insurance agent is an insurance agent who only sells policies offered by a single insurance company. Working with such agents can have its pros and cons - if you trust the brand name, you’ll know that they only sell reliable products. However, if you are not brand conscious, you may want to know what other offerings are there in the market.
Ideally, the agent should be able to help you choose the best policy for your needs.
An excellent insurance advisor will be willing to walk you through each insurance type step by step so you can understand how to choose the coverage you'll be most satisfied with. They will also be patient, understanding, and not "pushy,”. They should be as quick to listen as they are to talk.
Did you know that depending on the length of the term, several health insurance policies offer premium discounts? Be sure to ask this question to save money!
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