Looking to buy life insurance? Before you begin your search, it’s important to understand the different types of agents that you may encounter in order to assure that you receive service that’s best fit for your insurance needs.
There are 3 types of life insurance agents that you can use to buy life insurance including:
- Company Agents
- Call-Center Agent
- Independent Life Insurance Agents
Unfortunately, company agents and call center agents work off of commission and not for you. Company agents usually represent 1 or possibly up to 3 companies, not dozens. You have either no or very limited options when it comes to what you pay, so you are less likely to receive best rates. Call center agents have to sell a certain number of policies each month just to keep their job, so their only objective is to make a quick sale. They do not provide quality customer service – once they sell to you, you won’t likely hear from them again unless it’s their voicemail. Independent life insurance agents take the time to build relationships and understand their client’s needs.
They take the time to fully evaluate your individual needs and will advise you on all your options, not just the option that earns the biggest commission. As Independent Insurance agents, we have access to multiple companies and we know which companies are more lenient for a host of health issues. We will also comparison shop for you, and custom design your life insurance for the most affordable rates.
If you are currently looking to learn more or buy life insurance, get in touch with your UniAmerica Insurance agent today or give us a call at 1-310-835-3373.