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Step 4 of 7: Hassle-Free Insurance Shopping

Step 4: Issues to Discuss with Your Agent & Why

Insurance Agent
A good agent will ask questions to help you select the right coverage.

As mentioned in Step 3, a good agent will have the following discussions with you to make sure you get the best carrier, policy, and rates for your situation.

Circumstances that affect your rates:

There are many factors that affect your insurability or health class (and ultimately your rates). They include your current health, health history, family health history, driving record, physical build, age, gender, nicotine use, and participation in hazardous activities. Your agent should discuss all of these circumstances and provide carrier recommendations based on your answers.

What are your needs?

A good agent will guide you through the process of calculating the coverage you need, as well as help you understand how your life insurance proceeds should be managed. This will include a brief discussion of your beneficiaries, current assets and liabilities, and how long coverage is needed.

What are your options for meeting your needs?

Part of what makes a policy the right one for you is how comfortable you are with it—the ease of monitoring and maintaining it, its affordability, and so forth.

Question mark
How do you know if you have the right agent?

Ask your agent to walk you through your options:

  • What are the benefits/drawbacks to choosing a longer or shorter term of coverage?
  • What about diversifying coverage by carrying some term insurance and some permanent?
  • What should my family do with the death benefit?

Why discuss these issues?

Not all life insurance policies or carriers are alike. Understanding your situation will help your agent match you with the best carrier and policy for you. It will also help you get the most affordable rates.

What if your agent never discusses this with you?

It is an agent’s job to make sure you get the appropriate coverage for your situation. Having these discussions will help them fulfill their responsibility to you.

It will also help them get you the best rates. If your agent resists having these discussions or seems to lack knowledge or experience, it may be worthwhile to seek out
another agent.

Back to Step 3: Your Agent's Knowledge = Your Pocketbook's Best Friend
Continue to Step 5: The Basic Types of Insurance

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*Comparison of each carrier’s best published rates for a
10-year level term policy, 30-year-old non-smoking female


^Represents 10-year level term life insurance rates for 40-year-old female,
in good health, no tobacco, residing in Ohio.

R. Jan Pinney CLU, ChFC is a licensed life insurance agent in all states and the District of Columbia. The following agent license numbers are provided for R. Jan Pinney as required by state law: CA agent #0440057, LA agent #291116, MA agent #1674866, MN agent #20270113, UT agent #58330, agent R. Jan Pinney, DBA Pinney Insurance Services. Commercial use by others is prohibited by law. This site provides term quotes. Each rate is a quote based on information provided by the carrier. No portion of Trusted Quote may be copied, published, faxed, mailed or distributed in any manner for any purpose without prior written authorization of the owner.

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