Hi! I'm Frankie Biron, an Insurance Advisor at Trusted Quote. I’ll help you find everything you need to choose the right policy for you and your family. My specialty is life insurance, but I can help find answers for all of your family’s insurance questions. Click here to contact me!
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Step 3 of 7: Hassle-Free Insurance Shopping
Step 3: Your Agent's Knowledge Is Your Pocketbook's Best Friend
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An agent can help you save by finding the most affordable policies on the market.
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A good agent does more than just sell you a policy. Good agents fulfill two important roles:
- Insurance Advisor—an experienced agent is ready to consult with you regarding your insurance needs and how best to cover them.
- Purchasing Expert—an experienced agent is equipped to find you the most affordable deal on the coverage you want.
Agents as insurance advisors
The following questions often come up when purchasing life insurance:
- How much coverage do I need?
- How far into the future do I need to provide for my loved ones?
- How will my family's financial needs change over time, and how can I plan for them now?
A good agent will help you answer these questions and plan appropriately.
Agents as purchasing experts
Different insurers focus on selling policies to different types of applicants. For example, a given insurer may offer the best rates for people aged 30–35; another may offer the best rates for breast cancer survivors, and another may offer the best rates for diabetics.
Finding the insurer who can offer you the best price requires more than simply comparing rates online. It requires an in-depth knowledge of many carriers’ pricing criteria. A good agent will have access to this information and find you the best prices for your individual situation.
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An agent can help you save by finding the most affordable policies on the market.
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How can you tell if your agent is good?
A good agent should do the following:
- Discuss who you are protecting and why
- Discuss amount and type of coverage
- Discuss your current health and medical history
- Discuss your family health history
- Discuss your driving record (yes, this can affect rates)
- Represent at least 10 carriers
- Give reasons why certain carriers will give you better or worse rates
An agent that does all of the above should be able to find you good rates. The more carriers an agent represents, the better your chances for getting the best rates for your individual situation!
Back to Step 2: What Are the 4 Parties in Life Insurance?
Continue to Step 4: Issues to Discuss with Your Agent & Why
Click Here for Life Insurance Quotes!
Hi, I’m Ryan Pinney. As a Chartered Senior Financial Planner, I’ll help protect your family’s financial future. I believe in ethical insurance solutions based on your needs. Welcome to Trusted Quote, your source for insurance and financial planning.
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Copyright 2002-2013 Pinney Wholesale Insurance Services - All Rights Reserved 2266 Lava Ridge Court, Roseville, CA 95661
*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.
