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If it’s your first time purchasing an insurance policy on your own, you might find the process a bit intimidating. That’s why it’s so important to obtain the right information before deciding which insurance agent to work with. The more informed you are, the more confident you’ll be with your selection. Below, learn what questions to ask an insurance agent before deciding to work with them. 

What Questions Should You Ask an Insurance Agent Before Hiring Them?

1. How Much Experience Do You Have?

The more experience an agent has, the better they’ll be able to serve you. This is especially true if you have a unique situation that requires a personalized insurance plan to ensure you’re sufficiently covered. In general, look for an agent who has at least five years of experience working in the industry. In this amount of time, the agent has probably worked with many clients in a variety of unique situations. You should also ensure that they have proper training and credible certifications. It can also be helpful to read online testimonials of previous clients. 

2. How Will My Insurance Needs Be Determined?

insurance agentEveryone has different insurance needs, and it’s crucial that agents take a personalized perspective when serving you. For instance, if you’re in the market for a life insurance policy, the agent should ask about your family life, whether you have any estate planning considerations, if you own a business, among many other crucial questions. Insurance agencies that offer a one-size-fits-all plan to all clients may be overlooking very serious considerations. 

3. What Other Options Are Available?

Riders are add-ons to existing insurance policies that can enhance your coverage. If you choose a term life policy, which is only applicable to a specified term, a conversion rider will allow you to change it to a permanent policy down the line. There are also riders that protect you in the event you become permanently disabled by waiving premiums, which are the payments required to keep your coverage active. Make sure that the insurance agent is briefed on these add-ons, and is willing to answer any questions you have about them. 

 

If you’re shopping for a life insurance policy in Atlanta, GA, Homer Turner of Primerica can help. You can rest assured that he will be able to help you find the best coverage, no matter how unique your insurance needs are. He also makes it a point to discuss your specific situation to make sure the product he recommends is a suitable match. Schedule a consultation today by calling (404) 374-1010. You can also learn more about life insurance and other products by visiting the website

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