You may come across many insurance agents who try to get you to sign up for an insurance policy. While getting insured is definitely a good thing, what is important is that you only associate with a respectable and professional insurance agent who cares for you. And in this post, we look at five key points that can help you identify a good insurance agent.
The first thing to check is whether the agent is licensed or not. Trustworthy agents are often
registered with the state department. A license from them is an indication that the agent has full knowledge of the subject of insurance and is fully qualified to talk about it. In addition, you can also check to see if the agent is a member of the National Association of Insurance and Financial Advisors (NAIFA). These credentials are sufficient proof that you can trust them to advise you correctly regarding insurance.
If the agent seems to pressure you into accepting the insurance contract, then that is a clear indication that they are not interested in your benefit. Professional insurance agents will not apply too much pressure on you. Instead, they will explain to you the benefits of taking a policy. Their first instinct is to get you a good policy that can help you in your life. In contrast, those who apply pressure are looking to quickly get the money from you so that they can receive their commissions.
Know The Compensation
It is always good to know how much commission is received by the agent for selling you insurance. This can give you an idea of how much pressure the agent may be willing to apply to get you to sign the contract. You can either ask them directly about this or can search the internet and find out an estimated figure.
A good insurance agent will give you a documentation after your first visit. It usually contains information about your financial status and the various insurance options available for you. You can look at the options, check with your monthly budget and pick one that is suitable for you.
If an agent leaves after the first meeting and then only calls you after a few weeks, then that is an agent you don’t want to be involved with. Professional agents always do a follow up within just a couple of days from the first meeting. Plus, they will continue to maintain a good communication with you after you have become a client.
If you sort out the life insurance agents on the basis of the above mentioned points, you will surely find a few who are committed to getting you the best deal, whether you are looking for a life insurance for seniors over 80 years old or for a 24-year-old guy.