How to Choose the Right Life Insurance Agent

Millions of people go shopping every day. Buying cars, homes, groceries, TVs, and furniture, yet none of it compares to the experience of life-insurance shopping. Life Insurance policies are arguably one of the most important purchases you will make. The rewards and consequences can be staggering. To ensure the protection of your hard work, assets, and family, follow these guidelines to choosing the right life insurance agent.


Types of Agent


In any shopping environment, it is best to know what your wants and needs are beforehand. This will save you time, energy, and money in the long run. So first, get an understanding of the types of agents: captive and independent. A captive agent is one that represents and provides policies from one company. The drawback to this kind of agent is the limitations on types of policies. An independent agent works for several companies. This type of agent has an advantage as they can search multiple policies at various companies to find the one best suited for you and your needs.


Customer Needs


How a customer is treated says everything there is to know about an agent. Does the agent effectively explain insurance industry jargon? The whole point of paying someone to help you choose the right policy is to have their experience and knowledge guiding you to the best option. If they can’t help you actually understand what you are signing up for, take your money elsewhere. Does your agent seem concerned about your wants and needs? Do they ask what you think or how you feel? If an agent isn’t attentive to those things, chances are they are more interested in making money than making their clients happy. Do you leave your agent’s office feeling pressured or coerced? This is a huge red flag if so. If it seems like your agent is forcing you or trying to persuade you into taking a policy that you are uninterested in, you can guarantee that the agent is solely working to fill their pockets. Leave immediately.




Like every other profession, expertise in the field directly relates to an employee’s productivity, knowledge, and efficiency. Before making any purchases, confirm that the agent has a license. Each state has a department of insurance website where an agent’s status can be checked, as well as the possibility of checking for any past or pending disciplinary actions. Another way to check their experience is by paying attention to whether or not they have any professional designations. While designations do not guarantee a great agent, it does signify numerous hours of dedication to the profession.