A Buyer’s Guide to Choosing the Right Insurance Agent


Finding the right insurance agent is challenging like deciding what insurance policy you should get. However, it is a must. You have to consider one right away before life throws you many unexpected things. You couldn’t stop things from happening but you should at least give your life a bit of protection. Insurance is an arrangement that gives a guarantee of compensation in case of loss, damage, illness, and death.

It is crucial that you find an insurance agent especially if it is your first time buying insurance. A good agent can make a difference when disaster strikes. Here’s a guide to choosing the right agent:

Look for a trusted source for a recommendation

The first thing that you should do is to look for a trusted source. It can be your friend or relative who recently worked with insurance agents. If their insights are not enough, you can consider looking online. If you consider online, it is imperative that you go to this site. You will surely find agents that are properly licensed.

Ask the right questions

If you will meet an agent for the first time, do not be afraid to ask questions. Buying insurance is a lifelong commitment. If you do not ask questions now, you will be forever lost. For instance, you can ask questions like how long they have been in the business or what do they specialise in.

Seek for testimonials

These days, you can easily find testimonials and reviews online. You can consider different platforms like LinkedIn and Facebook. Checking out the agent’s online presence can help you gain insight into how the agent works and her relation to clients.

However, when reading reviews or testimonials, you need to have a balanced approach. Keep in mind that website posts tend to lean towards the bad. It is always better to meet the agent first and get the feel of what she is like instead of depending totally on whatever you read online.

Know what to expect

Agents are employed by insurance companies to represent them and sell insurance products. For every sale, the agent is paid a commission, which is included in the price of the policy. As soon as you explain your needs, the agent will shop around for you. If the agent charges an additional fee, you should be aware of this at the onset.

Choose someone you can trust

You should be comfortable with the idea that the person you chose is someone you can trust. Insurance is a piece of protection that you hope you will never need to use. However, if you need it, the agent who sold the policy is your supporter during the claims process. If you choose the right agent, she will respond according to your specific claim and she will always think of how to best protect your rights under the insurance policy.

Insurance is expensive and it can take a big chunk out of your monthly income but it can make a difference at the end of the day. The thought of protecting the family against disasters could mitigate financial ruin when the time comes.