are two main criteria for life insurance
agents...that they are knowledgeable and
impartial. The first is
self-explanatory while the second really
should be. You need to know that
you're getting the absolute best
information when running your insurance
quotes. Let's go through the
advantages of having an impartial life
insurance agent on your side and how to
make sure you have found one.
are hundreds of
life insurance plans
there on the market with every possible
option, name, and ideal use. The
number of legit and competitive life
insurance companies are in the double
digits. Let's also mention the
10's of thousands of life insurance
agents and brokers out there. How
do you know you're getting the best
deal? You need to have an
impartial agent or broker who also knows
the life insurance market.
Impartial basically means that the agent
is looking out for your best interest
when quoting and choosing a plan.
Like with any profession, there are good
and bad agents out there. Some are
captive agents which means they work for
just one company to sell their products.
This may be okay if the company is
competitive and if, they have a range of
life insurance products. That's a
lot of if's and with the nature of life
insurance these days, you can have a
superior rate for a given age band or
geographic region or amount of term that
specific to your situation. They
just happen to be more competitive in
just that specific area. It's hard
to know for sure if you're dealing with
captive life agent since you're only seeing
one company's products.
may also have brokers that narrow their
offerings significantly for a variety of
reasons. Maybe they still quote
and operate pre-internet which means
they have to manually quote with reams
of paper, a calculator, and a lot of
time (not to mention a lot of coffee).
This how it used to be done and it's
easy to understand why an agent might
quote a few carriers at best. It
was time-consuming and tedious work.
etermlifeinsurancequote.com with our
instant term life quote across multiple
carriers side by side have made that
virtually non-existent. You can
quickly run a quote across dozens of
plans in a few seconds. I'm not
sure if there are still agents out there
that work the old fashion way but I
would seriously question if that method
is thorough enough to provide a
prospective customer with a wide enough
breadth of options. I personally
wouldn't want the results of that method
for my own purchase.
next issue is when a broker is just
plain impartial. An obvious
example of this is if an agent "sells"
whole life insurance due to the big
commission associated with this type of
product. There may be
situations where whole life insurance
MIGHT fit but we're still looking for
it. If an agent seems pushy about
a particular life insurance plan or if
you really don't feel comfortable about
a particular purchase... STOP!!
Don't feel you have to sign the
contract. It's better to stop now
then pay the policy for years and decide
that it's not the right protection for
you (which is very common by the way).
Hopefully, you can judge by our website
with over 170 articles explaining in
clear and impartial (there's that word
again) language how to evaluate and
choose life insurance coverage.
We've gone out of our way to put the
information and power in your hands.
term life insurance quote
engine is a great place to start and if
questions up, a licensed and impartial
insurance agent on the phone is a great
place to end up!