What Makes a Great Insurance Agent?

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What Makes a Great Insurance Agent?

When you are shopping for any type of insurance, you are going to want the help and advice of someone who understands the insurance business and who is truly interested in helping you protect yourself rather than making the most money. Unfortunately some insurance agents are in the business for their own benefit and will not tell you when you are paying too much or are buying insurance that you simply don't need. I am a former insurance agent, and I have seen the best and worst. This blog is about noticing red flags when it comes to sneaky insurance sales people and about finding the signs of a truly good agent.


Top Reasons To Purchase Life Insurance In Your 30s

Many people do not even begin looking for life insurance until they are in their 40s or 50s, but this is not really a good idea to wait this long. It is better to buy a policy when you are younger, and a lot of people are now purchasing policies when they are in their 30s. If you are in your 30s and think you do not need life insurance, here are several reasons you should consider that will likely help you see that buying life insurance right now is a good idea.

You will have a way to protect your spouse and kids

If you are currently married and have kids, what would happen to them if you died right now? This is a good question to ask yourself, especially if you are the main income-earner in your household. If you died unexpectedly, would your spouse be able to afford to stay living in the house you own? Would your kids be able to continue the same lifestyle? If you are concerned with these types of issues, buying life insurance would offer a great solution for this. With life insurance, you can be assured and confident that your family would be able to survive without you present in their lives.

You can leave your family debt-free

If you are not overly concerned about whether your spouse would be able to afford to stay living in the house you currently own and live in, you might be concerned about the debts you have. If you have a lot of debts and suddenly pass away, you would burden your family with these. In addition, your family would have funeral expenses, and possibly other bills, too, that they would have to pay for. You can relieve this type of stress by purchasing a life insurance policy that would offer the proceeds they need for these types of debts.

You can choose a policy that protects you only for the time you need

One good thing to know is that there are different types of policies you could buy, and a good type for your age is a term-life insurance policy. This type would offer protection only when you need it. For example, if you believe that within 30 years you will have everything paid for and a decent amount of money stowed away in the bank, you could buy a life insurance policy that ends in 30 years. During this 30 years, your family would be protected if you died. After that, though, the policy would end.  

If you think that buying life insurance might be right for you at this time, talk to an insurance agent to discuss your options and the costs for these options.