In the insurance world, one cannot be too prepared. When looking to purchase coverage make sure you know
what you need to have prepared to make a meeting with your agent short, sweet, and successful.
Instead of blindly going into a meeting with your insurance agent, be prepared with these tips to make the
meeting go smoothly and get the best service:
Know Your Stuff
Before picking up the phone, or driving to the office to speak with an agent to purchase life insurance,
make sure you are ready to give them all the information they need. This information may include records of
your credit history, medical information, and even payment information that we don’t always memorize. You
will seem more knowledgeable if you come prepared with this information, and your agent will have more
respect for you and your questions. Also, by having all your records and documents, and license on hand, you
will be able to get covered more quickly. Make sure you have everything you may possibly need ready to go to
smooth out the tedious process.
Come Ready With Questions
You don’t have to know it all; that’s what your agent is here for. So when you are preparing to speak with
an agent, write down the questions that come to mind so that you don’t forget them in action. Insurance can
be complicated, and you need to understand all the terms of your policy to make sure you are getting the
coverage you need. Ask any and all the questions you needs, because when it comes to buying coverage, you
need the most thorough answers you can get. Don’t be afraid to ask the hard questions. If your agent can’t
answer your tough questions, then perhaps you need to find a more reliable agent and/or carrier.
Have A Coverage Plan
Look into the types of coverage and get an idea of the kind of coverage you are in search of. Don’t rely
on the agent to do this for you. As helpful as they can be, they may not always know what’s best for you, or
have your best interests in mind, so if you go into a meeting with some prior knowledge about coverage, you
two can work together to find the best policy for your needs. Also, you can easily get a feel for your agent
and their motives if they try to steer you in the wrong direction. By knowing what you want and need ahead of
time, you can make sure you actually get the right policy.
If you want to ensure that you are getting the lowest possible rates for your insurance policy, research
other companies to find out where the best rates are. If you go as far to get quotes from multiple companies,
you can try to show your current insurance carrier the competition. If another company offers a lower
premium, you may be able to get your current carrier to match the price by posing the threat of switching
carriers. Otherwise, you know where you should switch to invest in your insurance. By coming in prepared, you
can get yourself the best rates out there!
Proof Of Precautionary Measures
Sometimes, insurance carriers will reward you for going the extra mile to protect your assets. If you can
show proof of these extra measures you are taking, you may be able to lower your rates a bit. Take pictures
of alarms and surveillance, or provide documents proving the ways you are helping to lower your risks. By
being precocious and precautious, you will save money on rates, yet keep all the coverage you need. Show off
your smarts and you will reap the benefits.