Life Insurance Quotes: What To Expect From An Agent

If you are looking for life insurance quotes, sooner or later you'll talk to an agent or representative of the life insurance company. Here are some ways to prepare, and know what to expect when you are ready to meet with an agent

You should have a pretty good idea of how much coverage and what type of life insurance policy you think is best for your situation. This isn't absolutely necessary: a good life insurance agent will take the time to assess your financial situation and explain your choices. But if you've have a general idea, you can make the most of your time with the agent. It also allows you to get accurate comparison quotes between different agents before you meet with them.

Most likely, an agent will start by asking you questions about your income, net worth and financial goals such as putting children through college. They may ask you basic questions about your health such as your age, any medical conditions, your family medical histories and whether you smoke or not. Of course you may be required to take a medical exam when you apply.

The agent should explain the different types of insurance policies that are available to you. This would include different term life insurance and whole life insurance plans. They also might talk to you about annuities and other financial products if they seem appropriate to your situation.

It's important that you feel comfortable with the way the agent is explaining your options and how he or she listens to your needs. If you feel like they are being pushy, particular with one type of policy, you'll at least want to get a second or third opinion. And make sure you understand completely all the different aspects and definitions of a policy. After all, a policy is a legal document.

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