ugly truth about life insurance agentsThe truth, the whole truth and nothing but the truth.  Historically, not all life insurance agents have spoken the truth, the whole truth, etc..  And that reputation has stuck, whether it’s deserved or not.  (But I am determined to help change that perception!)  Today things are very, very different than when I was young.

Back in the day, our insurance agent would come to the house and sit with my parents talking about insurance.  They would make decisions without my parents really understanding what they were buying.  Whatever the agent thought best would work for them.  They didn’t know there were choices like term life insurance, whole life insurance and permanent life insurance.

Here is the Ugly Truth…

 How Can You Know Who To Work With?

As I said in the video, the first step is finding an agent that will help you to understand your choices.  Many life insurance agents today want to do the best job they can for you.  So find one with a website that gives you lots of information.

This is one of the most important purchases you will make in your lifetime.  Your family’s financial security depends on you and your life insurance.  Learn enough to ask the questions that will help you make an informed decision about

  • What type of coverage do I need?
  • What amount of coverage will my family need after I am gone?
  • What can I do to get the best rate possible?
  • Who will my expert guide be?  (Your independent life insurance agent!)

What Should I Do Now?

Take a look around…there’s lots of good information here to get you started.  We want our clients to be educated…to understand what they are buying, and why they are buying it.  Life insurance should make you feel secure…should make your family feel secure.  Life insurance agents are a changing breed…we want your input!  And if you’re smart…you’ll want our input too!

Spend a few minutes with an independent life insurance agent and you will have an idea about life insurance and how it can help your family today.  Won’t you sleep better knowing your family is financially safe?  I know I do.

The Bottom Line

I wish I could say that life insurance agents are all honest and ethical and looking out for your best interests.  Unfortunately, that’s not true!  We are people, just like you…some better than others!  So your job is to find an agent that you feel comfortable with, that you know will be looking out for your interests.  Check out their website, see what their clients say.  Find someone you would like to work with, and when you’re ready, just give them a call!  They will be ready to help.