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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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    Quinstreet
    Cut your search time down by letting us do the work! We provide free quotes from insurance-life-agents in North Dakota. Just check out our website and we'll get you the best rate quotes from the Life Insurance in North Dakota.
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    STANDARD LISTINGS:   INSURANCE-LIFE-AGENTS IN/NEAR NORTH DAKOTA
    Daniel Retzlaff Write review for this local business
    2000 44th Street S. Suite 501, Fargo, ND 58103
    (218) 790-7571  
    At New York Life, we believe in helping like you, families like yours, and business of all kinds. Since 1845.
    Farmers Union Insurance Write review for this local business
    123 2nd St W, Williston, ND 58801
    (701) 577-5721  
    Ringoen Financial Group Write review for this local business
    111 11th Ave SW Ste 1, Minot, ND 58701
    (701) 839-5139  
    Tr Waind Insurance Agency Write review for this local business
    405 8th Ave, Langdon, ND 58249
    (701) 256-2166  
    Colonial Life & Accident Write review for this local business
    306 5th Ave, Mapleton, ND 58059
    (701) 492-0835  
    American Income Life Insurance Company Write review for this local business
    1323 E Front Ave, Bismarck, ND 58504
    (701) 258-6664  
    New York Life Insurance Company Write review for this local business
    1312 11th Ave NW, Minot, ND 58703
    (701) 838-0773  
    Fms Financial Planning Write review for this local business
    919 S 7th St Ste 401, Bismarck, ND 58504
    (701) 355-9160  
    Raymond James Financial Services Write review for this local business
    2900 10th St SW Ste C, Minot, ND 58701
    (701) 852-3090  
    Reynolds Insurance Write review for this local business
    301 Main St, New Town, ND 58763
    (701) 627-4293  
    Mark A. Havig Write review for this local business
    1317 S Broadway, Minot, ND 58701
    (701) 838-2100  
    Stenehjem Insurance Agency Write review for this local business
    Po Box 1781, Bismarck, ND 58502
    (701) 255-1666  
    Allstate Insurance And Financial Services Write review for this local business
    304 25th St S, Fargo, ND 58103
    (701) 235-9868  
    Blue Cross & Blue Shield Write review for this local business
    1137 2nd Ave W Ste 105, Williston, ND 58801
    (701) 572-4535  
    Kristi Schwartz Write review for this local business
    37 1st St W, Dickinson, ND 58601
    (701) 483-0760  
    American Income Life Write review for this local business
    515 1/2 E Broadway Ave Ste 103, Bismarck, ND 58501
    (701) 751-4590  
    Aflac Write review for this local business
    1809 S Broadway Ste O, Minot, ND 58701
    (701) 839-0100  
    Jessica Declercq - State Farm Insurance Agent Write review for this local business
    1715 S Broadway, Minot, ND 58701
    (701) 839-3436  
    Randy Fenley - State Farm Insurance Agent Write review for this local business
    2750 26th Street S, Grand Forks, ND 58201
    (701) 772-5684  

    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.


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