Life Insurance

How I choose an agent?

Gather the names of several agents by recommendations of the friends, the family, and other sources. Discover if an agent is authorized in your state by the checking with the service of the insurances of your state. Agents which also sell the variable products must be registered with the lawful authority of financial institutions, FINRA (formerly the national association of the brokers in transferable securities), and have an additional licence of state to sell the variable contracts.

Ask which company or companies the agent represents and check its professional accreditations. The agents often belong to professional associations which offer qualifications of professional of continuing education and concession. The national association of the insurance and the financial advisers offers local educational conferences for agents. The company of the professionals of finance department and the association of financial planning offer the similar formation for the planners financier. The agents can gain professional designations such as the privileged comrade of the Council of training of the guarantor of the life (CLU) and the guarantor of life (LUTCF). The agents which are also the planners financier can carry qualifications such as the financial adviser privileged (ChFC), the accredited financial planner (PCP), or the personal financial specialist (CPA-PFS).