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How to choose the right insurance agent

Insurance Agent Personality

Meet with potential agents. Tell them about your situation and request a quote. You don’t have to ask them for a quote. It’s a chance to get a feel of their work and to see if they are comfortable around you.

There are two types of insurance agents:

A. A. Independent Agents – This is a person who owns a small business and represents or affiliates with a variety of insurance companies.

B. B. Direct Insurance Agents – A direct insurance company sells directly without the need for an agent, usually online.

The best choice:

Because they can match you with the best price and coverage, go with an Independent Agent. They can compare all data between different insurance companies. They offer a wide range of financial and insurance products including property, life and casualty insurance, as well as long-term care and disability insurance. They can help you with all your insurance needs.

2. Credentials

A competent insurance agent can help clients decide on the right coverage and limits to protect their investments and family. A certificate proving that an insurance agent is qualified, competent, or authorized in the insurance industry.

This is a great thing to have:

  • CFP – Certified Financial Planner.
  • CLU – Chartered Life Underwriter
  • CPCU – Chartered Property & Casualty Underwriter
  • ChFC – Chartered Financial Consultant
  • PFS – Personal Financial Specialist
  • CIC – Certified Insurance Counselor
  • Associate in Risk Management – ARM


Check to make sure the agent is licensed to sell insurance before you buy insurance. This is similar to a patient visiting a doctor. Before they can give prescriptions, the doctor must have a license. Every state requires insurance agents be licensed to sell policies. Some states require separate licenses for property and casualty insurance, while others require life and health insurance.

3. Client Feed Backs

You should also verify that the agent is licensed. Check the NAIC’s CIS to find out if the agent is licensed. You may also call your state insurance agency. You can also find out if there have been any complaints against the agent from your insurance department. Check with the Better Business Bureau for complaints and compliments.

4. Ask Questions

When searching for an agent, it is acceptable to ask questions. You should ask questions when choosing an agent. Here are some great questions to ask:

  • Which are your expertise areas?
  • Are you within reach? Is your reach local? Statewide? Nationwide?
  • What’s your industry experience? How long have you been writing such insurance?
  • Do you have client references?
  • What length of time have you been in the business?
  • Which companies represent you? Which ones?

There are many things to take into consideration when choosing an agent for insurance. When choosing an insurance agent to provide the best coverage for you and your company, these are the key points. Although you have the option to change agents at any time, it is better to do your research in advance to find the right partner.


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