To choose a life insurance agent, determine if the prospective agent has the necessary license, experience, education, training and credentials, suggests Everplans. Select an insurance company and request to talk with an agent, or ask for recommendations from relatives, friends and colleagues who've used the services of an insurance agent before. Alternatively, seek advice from a lawyer, an accountant, a financial planner or other professional advisers who can suggest reputable agents.
When evaluating a prospective life insurance agent, make sure he holds the appropriate state license by checking with your state's insurance department, recommends Everplans. Some agents provide client references whom customers may contact. Find out if the insurance agent has credentials such as Chartered Life Underwriter or Chartered Financial Consultant, which indicate the dedication of the agent to specialized education.
A good life insurance agent understands both your financial situation, such as your income, assets, debts and estate tax brackets, and your personal situation, including your age, marital status and current dependents, notes the Insurance Information Institute. He must explain available policy choices in layman's terms and create a custom document that describes the right life insurance that suits your present situation. A good agent isn't pushy but waits until you've carefully considered your options and is willing to reassess your situation after a few years to determine if your selected insurance policy still fits your particular needs.