Choosing a Life Insurance Agent

You've done your search on the various life insurance products available, and you are now ready to sit down with an insurance agent or financial Represent to assess their needs, but where to start?

There are many agents, offices and firms, as you know who can help? Which company to choose?

First things first, regardless of which agency or representative with you choose, you have to know that if they are properly licensed for insurance products and financial services you seek.

An insurance agent's license starts getting "Life, Health and Schedule of Investments (annuity) to the state practice. This allows them to sell terms and whole life insurance, health insurance and Schedule of Investments (Annuity) sets.

Agents also need to be licensed Series 6 (exchange) in order to sell mutual funds, variable life insurance and variable investment cedula or other investment vehicle that holds mutual funds.

It would be safe to say that most insurance agents who are associated with a security firm large or have their own independent insurance agency, have these two licenses in order to sell a large variety of products, these offices offer to meet all their needs.

However you should do your due diligence and ask them if the license is current and that they not have ceased to expire, these licenses require a certain amount of additional education and certification every 2 years to keep them current.

It is also good to know if they have obtained any additional designation. A person who takes the time to learn and grow within their industry is one person who has chosen this as the race for his life. And you can feel confident that they will be specialists in the field of Insurance and Finance, and will exist for years to come.

Here are the most common designations:

Licensed Financial Advisor CFP-

CLU - Chartered Life Underwriter (Life risk assessments)

ChFC - Chartered Financial Consultant (Financial Consultant)

With which company you choose to go, it is entirely up to you. Some people want the comfort of knowing that all their products are of the same company, and that the company has strength and longevity to support what they sell.

The financial representatives and advisors to these insurance corporations typically sell only proprietary products, such as your payment structure requires them to do.

The advantage of doing this is that you know you're getting a solid product backed by a solid company.

The disadvantage is that they usually can not offer you a wide variety of products on the basis of comparing prices.

Others like the idea of ​​a small office insurance because you can develop a more personal relationship with your insurance agent, and they can meet more individual needs.

The products and services they offer are still backed by a large insurance corporation, so you need not worry about the financial stability of the products you purchase, but by an independent financial firm, since they are not associated with any company trademark, have the ability to offer a wide variety of services and products because of price comparison.

When it comes time to choose the right life insurance, or agency: you know the facts. And knowing a little about the professional services that each agent can offer, and know what kind of business you are most comfortable with, you will have to move forward and feel safe and secure with the financial protection for your family eventually chose and you.

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