A few insurance companies sell through the mail. You mail a completed application Directly to the company. Usually the company does not have an agent in your hometown.
The Internet
A growing number of insurance companies are expanding Reviews their marketing and are starting to sell policies on the web. All state laws and regulations Regarding apply to the selling of insurance and insurance-based Internet web sites. Do your research and the make sure the company is authorized to do business.
Agents and brokers
Most people buy life insurance through an agent or broker. Agents and brokers, operate differently. Agents Represent one or more companies. The agent's job, the which is commission based, is to sell you the policies of the company he or she represents.
Brokers Represent and work for you.
Typically, you describe to the broker the type of coverage you want and the amount you want to spend. The broker surveys Brings back the market and options for you to review. Also Brokers receive a commission on the sales they arrange.
Choose your agent or broker carefully.
It is wise to select someone who is an established business person in your community. You may wish to ask, "What makes you feel you are qualified to talk to me about my financial security?" Reliable salespeople should not mind verifying Reviews their credentials or qualifications Reviews their listings
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