Southwick insurance life agents

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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 Southwick. Just check out our website and we'll get you the best rate quotes from the Life Insurance in Southwick.
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    Ostapow Financial Services Write review for this local business
    4 Redbridge Court, East Setauket, NY 11733
    (631) 751-1777  
    We provide financial advice for people who want to protect and grow their money. Our reputation is built on a long track record of working with people who want to succeed. People like you.
    Ted Zentek Write review for this local business
    2 Creamery Brk Ste 2, East Granby, CT 06026
    (860) 254-6177  
    MassMutual - Home Office Write review for this local business
    1295 State St, Springfield, MA 01111
    (413) 744-1000  
    Gridley Insurance Group Inc Write review for this local business
    187 Broad St, Windsor, CT 06095
    (860) 688-3113  
    Paul Skaling Write review for this local business
    616 Poquonock Ave, Windsor, CT 06095
    (860) 688-3000  
    MassMutual - Hartford/Springfield Agency Write review for this local business
    330 Whitney Ave Fl 6TH, Holyoke, MA 01040
    (413) 539-2000  
    Ray Zailskas Write review for this local business
    250 Albany Tpke, Canton, CT 06019
    (860) 693-2200  
    Moore & Alvord Insurance Write review for this local business
    690 Main St, Winsted, CT 06098
    (860) 379-7535  
    Anthony Desmond Write review for this local business
    7 Hillside Dr Ste 4, South Windsor, CT 06074
    (860) 644-2555  
    The Policy Exchange Write review for this local business
    N/A, Hartford, CT 06120
    (888) 867-2594  
    Lauren Life LLC Write review for this local business
    15 N Main St, West Hartford, CT 06107
    (860) 206-4932  
    Ralph Agency The Write review for this local business
    11 Dale St Fl 2, West Hartford, CT 06107
    (860) 232-9793  
    Franklin Osei-Assibey Write review for this local business
    107 Burnside Ave, East Hartford, CT 06108
    (860) 528-5643  
    Bob Vaughan Write review for this local business
    175 West Rd Ste 8, Ellington, CT 06029
    (860) 870-7777  
    Alphonsus Aguh Write review for this local business
    737 Wethersfield Ave, Hartford, CT 06114
    (860) 247-0829  
    Richard Blakesley Agency Inc. Write review for this local business
    520 Hartford Tpke Ste F, Vernon Rockville, CT 06066
    (860) 875-4190  
    Edward J McGovern Write review for this local business
    15 New Britain Ave Ste 2, Unionville, CT 06085
    (860) 675-8900  
    Wanda Phillippe Write review for this local business
    775 Silver Ln, East Hartford, CT 06118
    (860) 461-1813  
    Jeffrey Bernetich Write review for this local business
    1027 Farmington Ave, Farmington, CT 06032
    (860) 677-6997  
    Billy Ziegenbalg Write review for this local business
    954 E Main St, Torrington, CT 06790
    (860) 618-3343  
    Paul Cullen Write review for this local business
    555 Main St, Manchester, CT 06040
    (860) 645-7888  
    Toth Insurance Agency LLC Write review for this local business
    703 Winsted Rd, Torrington, CT 06790
    (860) 496-7771  

    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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