What should I look for in finding a qualified insurance agent?
Answers | 3
Hi Nancy, depending on the type of insurance you're interested in, they should definitely be licensed with your state's Office of the Insurance Commissioner, which you can find on the internet, to sell the insurance you're interested in. Beyond that, again depending on the insurance you're interested in, making sure they have all the proper resources to do the best job for you, are open to help people in a myriad of circumstances or know they can refer you to if it's out of their expertise, and can put you in the best product for your needs and situation, then you'll be good to go. Also, you have to know that you feel comfortable with that person and that you feel you 'fit' - you don't want an antagonistic relationship with someone who's going to help you financially. If you feel like telling me what type of insurance you're interested in and what state you're in, I can help you further. Good Luck.
Nancy, Yes, be sure the agent is licensed in your state. There are two types of agents, the first is captive, which generally works for a specific carrier, i.e., Humana employs agents directly. The other would be an independent agent or broker. These agents typically will work with multiple carriers to provide their clients options. Not all insurance is created equal. Depending on the type of insurance you are looking for, some independents may specialize in one or more areas, health, life, property and casualty. Independents will shop the market for solutions to fit your individual and financial needs. They are not beholden to any one company. Most important is that you trust the individual you are working with and are comfortable with them. They should be educating you not selling you.
Start with credentials. How long has the agent been licensed is another good question to ask. There are soooo many insurance company's to choose from. An independent agent would have access to more than 1 carrier, giving you more of an audience to choose from on pricing and quotes.