Life Insurance

Know Your Rights from a Life Insurance Company or Agents

Are you buying insurance? Have you made an ideal choice? Have you asked every detail from your insurance agent?   The market is full of insurance providers. Amidst the various policies with…

Are you buying insurance? Have you made an ideal choice? Have you asked every detail from your insurance agent?


The market is full of insurance providers. Amidst the various policies with numerous benefits, it becomes confusing for customers to choose what suits them the best. Some buyers often go after the number of services the company is providing, while others look for claim. There are hundreds of policies customized as per the needs of the individuals.

However, each of them comes enveloped with a bundle of pages with hundreds of terms and conditions written all over it. To understand them, one needs an insurance agent who can make them acknowledge the related factors and their impact in the future.

When you invest your money in any company, you have some expectations from them. You also have a range of doubts and questions that you might want to enquire about with your agent.


Let us discuss a few of them, so you don’t miss out on the important ones.

Know about the services that you should expect from your Insurance agent:


  • About your credentials: We are all aware that investing in an insurance company will require you to hand over your personal and financial documents and details. But before you do that, make sure to look for the credibility of the person sitting in front of you. It is very important to know your agent and his details, such as the company's name, the credibility of the company, employee ID, a valid government ID. This step will help in preventing any fraud that is very prevalent these days.
  • Wisdom and knowledge: There is no doubt that a qualified agent has all the necessary knowledge regarding the policies and impacts. You may ask them numerous questions, and they will have all the answers to clear your doubts. But you do not want to know the details. You want a policy that is best suitable as per your needs. For that, you must be with an agent who has your best interests at heart, along with his company. Many insurance agents will force you to adapt to a plan that will give them maximum incentives, but there will be a few of them who will go far from their job to suggest you the best plans suitable according to your requirements and pocket. A hundred options are available in the market, like a life-cover to invest in or Unit-Linked Insurance plans to provide you with excellent results.
  • Networking is the key: To convince the person sitting on the other side of the table is the most challenging thing in any business, but that keeps the business going. The insurance agent should communicate well with the people to make them trust the company with their life and money involved. 
  • Technicality: This is an essential aspect of the insurance process. A skilled insurance agent not only cares about your specific requirements but also lets you know all kinds of costs involved without hiding any estimated value. He makes sure to provide you with an overall estimate of the purchase, so you don’t doubt while buying the plan.
  • Emotional Quotient: This is a significant factor in a life-insurance process. The agents need to connect with the customers on the topic on a fundamental level. Assure the buyers of all the services that the company promises.
  • Disclosing every detail: Your insurance agent must also tell you the importance of disclosing any information regarding the insurance policy plan that concerns your health, lifestyle, earnings, and job. Every company has a different disclosure policy. Make sure that your agent briefs you with the consequence of disclosure and non-disclosure both.

Conclusion on Life Insurance Agent

Selecting a perfect life insurance policy plan amidst the thousands available in the market is indeed a tricky job. But the process can be streamlined with the help of proper services assured by the company and the agent. After doing adequate research in the field, you can count on your insurance agent for the rest of the details. Make sure to check on him concerning the factors mentioned above, and you are good to go!

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