It’s not always as easy as looking in the Yellow Pages to find a qualified and trustworthy insurance agent. Before you hand your financial future over to a perfect stranger, here’s a few tips is on performing a little background research:
Find a licensed agent: Insurance is a product regulated by each state. Because of that, insurance agents must carry the proper licensing to sell it. Find a licensed agent in the department of insurance section of your state’s website or on the National Association of Insurance Commissioners (NAIC) website.
Check for complaints: The truth of the matter is there are some agents out there having a difficult time satisfying their customers. Check with your state’s department of insurance to find out if there are any complaints or any concerns about agents you’re considering working with. There are two sides to every story, but if an agent has amassed various complaints, then that’s definitely something to take into consideration.
Get to know each prospective agent: Protecting yourself and your family with insurance helps preserve your financial standing and keeps you on target toward reaching your goals. That means that the agent you choose must be able to understand and satisfy your family’s needs, must respect your wishes and must be someone that you want to spend time with and rely on over the years. Before you make a final decision on the agent you want representing your needs with the insurance companies, take some time to speak with them and make sure that you feel confident about their abilities and their level of dedication and that they are someone with whom you want to develop a long-standing business relationship.
Finally, look for credentials and designations or full disclosure. When you are shopping for insurance, you will be evaluating the offers of many different insurance companies. Your agent should be willing to share information about each insurer you consider. Remember, finding an insurance agent isn’t just about finding someone who can sell you insurance. It’s about finding someone who is willing to listen to your concerns, understand your needs, and do what it takes to find insurance policies that fulfill them.