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How to Choose a Life Insurance Agent

You have done your research on the various
life insurance products available, and youAs far as which company you choose to go
are now ready to sit with an Insurance Agentwith, is entirely up to you. Some people want
or Financial Representative to assess yourthe comfort of knowing all their products are
needs, but where do you start? There are sowith the same company, and that that company
many agents, offices and firms, how do youhas the strength and longevity to stand
know who can help you? Which company do youbehind what they sell. The financial
go  with?representatives and advisors for these large
insurance corporations typically sell only
First thing first, regardless of which agencythe proprietary products, as their pay
or representative you eventually choose, youstructures mandate them to do so. The benefit
need to know that they are licensed properlyto this is that you know you are getting a
for the insurance products and financialsolid product backed by a solid company. The
services  you  seek.down-side is that they are usually not able
to offer a wide variety of products for the
An Insurance Agent starts out by obtainingsake  of  price  comparing.
their "Life, Health and Annuity" license for
the state they practice in. This allows themOthers like the idea of a smaller Insurance
to sell term and whole life insurance, healthoffice because you are able to develop a much
insurance  and  fixed  annuities.more personal relationship with your Agent,
and they can cater more to your individual
They agent also needs to obtain their Seriesneeds. The products and services that they
6 (securities) license in order to selloffer are still backed by large insurance
mutual funds, variable life insurance andcorporations, so need to worry about the
variable annuities, or any other investmentfinancial stability of the products you
vehicle  that  houses  mutual  funds.purchase, but an independent financial firm,
since they are not associated with any one
It would be safe to say, that most Insuranceproprietary company, are able to offer a
Agents who are associated with largelarger variety of services for the sake of
Insurance Firms or have their ownproduct  and  price  comparison.
free-standing Insurance Agency, have these
two licenses in order to sell the wideWhen it comes to choosing the right life
variety of products these offices offer toinsurance company, or agency; know the facts.
satisfy  all  your  needs.And by knowing a little bit about the
professional services that each agent can
But you should still do your due diligenceoffer, and knowing what type of business you
and ask if their licenses are up-to-date andfeel most comfortable with, you will be able
that they have not let them expire; as theseto move forward and feel secure with the
licenses require a certain amount ofinsurance and financial protection you
additional education and certification everyultimately  choose  for  you and your family.
2  years  to  keep  them  current.
*** This article is intended for
It is also good to know if they have earnedinformational purposes only, and should not
any additional designations. A person whoreplace discussing your individual needs with
takes the time to learn and grow within theiryour local Insurance Agent or Financial
own industry is a person who has chosen thisRepresentative.
as their life's career. And you can feel
confident that they will be specialistsAfter securing her position as a Top Seller
within the Insurance and Financial field, andin the Insurance and Financial Industry over
will  be  around  for  years  to  come.the course of many years; Christee Fontanez
shifted her focus several years ago to
Here  are  the  most  common  designations:internet marketing and advertising. She
combined both professions and now works to
CFP  --  Certified  Financial  Plannerassist English and Spanish speaking consumers
find an Insurance Agent or Advisor to help
CLU  --  Chartered  Life  Underwriterthem secure their family's financial freedom
regardless of language preference.
ChFC  --  Chartered  Financial  Consultant



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