How Do I Select An Agent And A Life Insurance Provider?

Simply stated, by doing your homework. You must be certain to research the credentials of any potential agent or insurance company. It is important to remember that most agents are reputable professionals trained in their areas of expertise. Insurance agents must take and pass certain tests to become licensed. Besides the license exams, to maintain an agent license, most states required that all agents complete continuing education courses to maintain their license. These courses can lead to professional insurance designations such as the following:
  • LUTCF ­ Life Underwriting Training Council Fellow
  • CEP ­ Certified Financial Planner
  • CEBS ­ Certified Employee Benefits Specialist
  • CIC ­ Certified Insurance Counselors
  • CLU ­ Chartered Life Underwriter
  • RHU ­ Registered Health Underwriter
  • ChFC ­ Chartered Financial Consultant

The information on this page is meant to provide a general overview of the law. The laws in your state and/or city may deviate significantly from those described here. If you have specific questions related to your situation you should speak with a local attorney.

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