Questions To Ask Your Life Insurance Agent

Questions To Ask Your Life Insurance AgentTalk to your life insurance agent about these questions before you buy a policy.

When you buy a life insurance policy, you do so to protect your loved ones. It’s important, then, that you work with a life insurance agent who understands—and supports—that goal. To help you find the right life insurance agent, ask these questions.

  • How do I reach you? Ask your agent about his or her preferred means of communication (e.g. email, phone, text) and make sure it matches yours. Also, ask how regularly he or she will be in touch. A good agent should have a habit of reaching out to evaluate and update your policy.
  • What does this mean? If there’s a question of your policy that’s confusing, ask your agent to explain it. He or she should be able to do so in a way that gives your complete clarity.
  • Are you an independent agent? To make sure your family has the policy options it needs, work with an independent agent—who works with multiple providers—rather than a captive agent who will only show you coverage options from one provider.

If you’re ready to sit down with an agent dedicated to helping you get a great life insurance policy paired with great service, contact Miller Insurance Associates in Carlisle, Pennsylvania today!

Understanding The Best Agent For Your Needs

Insurance Agency Carlisle PACaptive vs. Independent Insurance Agents

No, a captive agent is not a spy who has been taken by enemy forces. A captive agent is an insurance professional who only works with one insurance provider. An independent agent, on the other hand, works with multiple providers. Here are a few ways an independent agent can best serve you.

  • More Options: A captive agent will only be able to show you policies from one provider. An independent agent can show you multiple policies from multiple providers, making it easier to find the best coverage for your needs.
  • More Savings: Similarly, because an independent agent has access to policies from multiple providers, he or she can shop quotes from multiple companies in order to find you the most competitive pricing on your coverage.
  • More Protection: Your insurance coverage will not be very helpful if you cannot figure out how to properly file your claim. Independent agents are industry experts committed to serving you—instead of a big provider—and can help you file your claim and advocate for you if need be.

You deserve to work with an independent insurance agent who is working for you, not a provider. Contact Miller Insurance Associates in Carlisle to connect with an independent Pennsylvania agent today!