Finding a Qualified Insurance Agent

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Insurance agents can provide families and individuals with insurance quotes on automobile insurance and homeowners insurance to help you save money on premiums. In addition to being knowledgeable about the insurance marketplace, an insurance agent can help you with financial planning. Many agents are licensed to sell bonds and annuities and are trained in helping you to plan your own financial future.

Some people live only in the present, attempting to cover the expenses of day-to-day living but, especially if you have a family to consider, planning for the future should be a vital portion of your budget.

Here are some questions you can ask your insurance agent:

• How much life insurance should I carry?
• What are the differences between and relative benefits of term life insurance and whole life?
• Will an annuity help me prepare for retirement?
• Considering our lifestyle, should we carry additional liability insurance?
• How much money will it take to care for our children should they be left without parents?
• What is a reasonable amount to set aside for final expenses?

These are all things that are wise to learn more about from a qualified insurance agent.

Most agents are trained to give this advice and help you with these decisions. A trust relationship needs to be built between you and your agent before considering taking advice about delicate matters such as this.

The best way to be sure you will be able to trust and build rapport with the insurance agent that you choose is to discuss insurance with your friends, neighbors and co-workers to find an agent that they would recommend. Ask the agent for a quote on your current car and homeowners insurance to determine if they can help you with your current insurance needs.

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The insurance agent needs to know your current financial situation, the size and ages of your family and some details about your job and recreational activities. With adequate information, your agent can provide you with excellent service.