of insurance is both complicated and competitive. Here are a few of the
key differences that set agents apart:
Unfortunately, too many
agents today are only interested in selling the plan with the
cheapest premium or the plan that pays them the highest commission,
regardless of the benefits.
Make sure your agent
explains the different levels of coverage available and works with
you in choosing the plan that offers the benefits you need at a
Avoid an agent that
wants to rush you or who pressures you to pay a larger modal
premium. (i.e. agents who say you need to make an immediate decision
because of a supposed rate increase or the end of an enrollment period,
as well as those
who try to get you to make
an annual payment when you prefer to pay monthly or quarterly.)
Visit the website of
your state insurance department and search for information on the
agent. Most state sites will list how long the agent has been
licensed and if they have ever had any complaints.
Missouri Department of Insurance)
Do all you can to make
sure you find an agent who not only wants to sell you a policy
today, but one who will be there for you in the future.