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

Simply stated, by doing your homework. You must be certain to research the credential 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

Other Life Insurance FAQs

Q: What Are Some Important Initial Considerations?
A: Decide how much insurance protection you need and can afford. Make informed decisions when you buy a policy. Choose the kind of policy that has benefits that most … More
Q: What Is Credit Insurance?
A: Credit life insurance pays in the event of the debtor`s death. Credit accident & health (or disability) insurance covers loan payments due while the debtor is ill … More
Q: What Are Some Important Considerations In Choosing My Policy?
A: Ask an agent or company to help you. The service and reputation of the company and the agent you select is important. Review the application carefully with the agent; … More
Q: What Should I Consider When I Actually Buy Life Insurance?
A: When you buy life insurance, first decide how much you need to cover the financial effects of an unexpected or untimely death. Here are some questions to ask … More
Q: What Is The Right Type Of Life Insurance For Me?
A: There are two basic types of life insurance: term insurance and permanent cash value insurance. Term insurance generally has lower premiums in the early years, but … More
Q: What Is A Level Term?
A: Level term insurance means that the amount of coverage and the price of the premiums will not go up or down during the covered period of time.
Q: What Is An Annual Or Yearly Renewable Term?
A: Under this type of policy, the premiums will increase on a yearly basis. The premiums will initially be low and the premiums will increase with the age of the insured.
Q: What Are The Benefits Have Having Term Insurance?
A: Term insurance is beneficial because it can provide security to families and businesses at a reasonable cost. The cost of buying term insurance is low compared to … More
Q: How Are The Premiums Determined?
A: The premiums are determined by looking at the individual`s age, medical history, family medical history and career. Life insurance is a complex subject that has its … More
Q: What Should I Do With My Current Policy?
A: If you are thinking about terminating life insurance coverage that you currently have in force, here are some things you should consider. If you decide to replace your … More

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Auto Insurance
Health Insurance

Home Owners Insurance