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Cary Ichinose - State Farm Insurance Agent
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Nelson Fukuhara - State Farm Insurance Agent
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Hope Chu-Hing - State Farm Insurance Agent
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Iris Kuwaye - State Farm Insurance Agent
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Questions to Ask a Life Insurance Agent

A life insurance policy can give you the security to financially protect your loved ones should something happen to you. Arm yourself with information by asking these questions when speaking to a life insurance agent.

  • What different plans do you carry?
    From term life insurance to variable universal life insurance, choosing the right plan can be difficult. A good agent will help you to assess your personal needs so that you can sign a good contract in terms of premium cost, duration (term) and benefits.

  • What are my specific needs?
    Many different life factors come into play when determining how long a term, how much to cover, and which policy to choose. Such factors include your age, your children's age, your family’s standard of living, and when your spouse will retire.

  • What can you quote me on a family plan?
    These days, both parents work, so you may want to forgo an individual plan for one that covers your family. Certain policies will also provide coverage should the worst happen to your children. When requesting a quote, find out the term, premium, and to what age your children receive coverage.

  • Is it worth paying out of my paycheck?
    This question applies to you if you are considering group insurance through your place of business. The premium comes out of your pay check. Whether you have dependants, a hefty debt, or need information on coverage after leaving your company, it may benefit you to converse with your agent.

  • I have a medical condition. Does your company consider it high-risk?
    You should discuss any specific health conditions you have, such as heart disease or sleep apnea, to find out whether the provider considers it high-risk which can raise your rate as much as 50%. Shop around to find a carrier that won’t penalize you for your condition.
  • National Assn. of Insurance & Financial Advisors
    Our life insurance agents are the most dependable in the entire industry. Through our organization, members gain respect, recognition and professional resources to grow and get better.
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    American Council of Life Insurers
    If your life insurance agent hasn't answered all your questions, our association provides long term and effective answers. Get more information and find the right provider of life insurance for you.
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    Cut your search time down by letting us do the work! We provide free quotes from insurance-life-agents in Hilo. Just check out our website and we'll get you the best rate quotes from the Life Insurance in Hilo.
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    American Mutual Group Write review for this local business
    80 Pauahi St Ste 105, Hilo, HI 96720
    (808) 969-1688  
    Paul CLU Moon Chfc Write review for this local business
    58 Kinoole St Ste 107, Hilo, HI 96720
    (808) 934-7878  
    ARA Wealth Management Group Write review for this local business
    117 Keawe St Ste 125, Hilo, HI 96720
    (808) 961-3331  
    Kris Speegle Write review for this local business
    1289 Kilauea Ave Ste D, Hilo, HI 96720
    (808) 969-7767  
    Ail Hilo Write review for this local business
    154 Holomua St, Hilo, HI 96720
    (808) 933-1127  
    Akamai Tax & Financial Solutions Write review for this local business
    75-5737 Kuakini Hwy Ste 206, Kailua Kona, HI 96740
    (808) 327-0081  

    Life insurance providers often need to hire a number of employees with diverse skill sets. The life insurance agents that work for a company play an important role. These professionals should know how to provide individuals and businesses with quotes for policies that focus on the benefits that they need most. A company might contact the agent to get rate quotes about various types of plans for their employees. The agents should have worked in the term life insurance industry long enough to find an individual, group, or family term life plan that meets those needs without exceeding their cost requirements.

    Insurance companies also need to make sure that they offer their carriers strong customer services. A member who has questions about his or her policy can often get basic information from a customer service representative. Although the reps might not have the power to change a policy or sign members to new contracts, they should have the communication skills to explain the coverage provided by the plans.

    Managers that work for the companies have to make important decisions that affect the types of policies and prices that the provider can offer. Managers might, for instance, study the risk associated with certain health conditions. They might also choose to limit the amount of coverage that people can purchase after a specific age. These decisions help the company stay profitable while continuing to meet the needs of its members. Doing this often allows the business to grow by keeping their clients happy while attracting new members.