Are you considering buying life insurance? Well, start by choosing the right agent or broker. You’ll never understand the importance of having a reliable life insurance agent until you have an issue with your policy. Buying life insurance is not as straight forward as most people like to assume.
Wondering how to find the right life insurance agent or broker?

There are various ways of finding the right agent or broker. They include;

Knowledgeable and experience

When looking for an insurance agent, it is essential to consider choosing someone knowledgeable about the industry. Don’t complicate your life by working with agents who are na├»ve and inexperienced. The professional you want to work with should have a proper understanding of all the associated financial risks, taxes, and other related obligations. He/she should be in a position to explain everything about life insurance in simple terms. Also, the right agent should be able to tell you how the coverage you are about to purchase fits into your current personal and financial situation.

Licensed and fully certified

Buying life insurance is a long-term investment. With this in mind, you definitely don’t want to take unnecessary risks by working with agents who are not licensed and fully certified. Find an agent who is licensed by your state’s insurance department for your own good. You’ll have no one else to blame but yourself if you fall into the hands of rogue life insurance agents or brokers.

Get recommendations.

To find the right life insurance agent or broker that fits your description, you should capitalize on recommendations. Talk to your lawyer, friends, relatives, colleagues, or neighbors about their personal experiences with the agents they recommend. Referrals can make a big difference for you when buying life insurance. Remember to make comparisons when dealing with recommendations since some agents could charge higher premiums than others. On the other hand, some people will make recommendations for selfish gains.

Research your agents thoroughly.

As a client, you obviously want to work with someone who has a good reputation. Researching your agents is an excellent way of finding the right insurance broker. You have perhaps compiled a list of potential agents by now. Your next step should be to research them online before making any calls. Check their credibility, work ethics and reputation by checking whether they are listed with the relevant insurance bodies such as the National Association of Insurance and Financial Advisors (NAIFA), and the Department of Insurance and Financial Services (DIFS). Checking them out helps you get the answers you have been craving, including their rankings on Insurance services directories, what they offer, and their premiums or filed complaints among others.

Conduct personal interviews

Consider zeroing on your potential agent by scheduling interviews on a personal level. An ideal life insurance agent should be knowledgeable, excellent communicator, experienced, flexible, reliable, and able to answer all the questions right. Make sure you are comfortable with the agent you choose to work with for your own convenience.


Get the right life insurance agent for an excellent experience.