Tips on Choosing an Insurance Agent
Here I will share how to choose Life Insurance Agent, because choosing a good insurance agent is very important. A good insurance agent will help you get the right insurance solution and make your insurance experience fun. Remember that your relationship with your insurance company is long-term, even beyond your lifetime. An insurance agent is an intermediary who represents you in the presence of an insurance company and represents the insurance company in your presence.
Here are three tips for choosing a good life insurance agent:
1. Choose an agent with integrity
The integrity of an insurance agent is more important than anything else. Many features in insurance policies are quite complex and not all of them are equally important. Some agencies recommend certain products for no other reason than wanting to earn higher commissions. Not a few insurance agents are "hit and run", only good when selling but not so concerned with after-sales service.
Find someone who will act as your partner, provide additional information, propose alternatives, and not force you to buy products. If you get too much pressure to quickly buy, switch to someone else.
One of the best ways to get a good agent is to ask for referrals from friends, family members, colleagues or other professionals you've worked with (tax consultants, bankers, notaries, etc.). When the insurance agent comes to you, ask for references to the customers he has served. You can check the agent's track record from his clients.
2. Choose a professional agent
You need to make sure that the agent you choose has the expertise to meet your needs:
If necessary, see directly at least two insurance agents in order to make comparisons in terms of qualifications and the character of the agent and the suitability of the products offered. Nothing can replace direct contact in judging a person. A good agent will be diligent in listening and asking questions about your situation and helping to develop appropriate insurance solutions for your specific needs. If you are uncomfortable with your agent after face to face, or you are not sure he provides the service you want, look for another agent.
Here are three tips for choosing a good life insurance agent:
1. Choose an agent with integrity
The integrity of an insurance agent is more important than anything else. Many features in insurance policies are quite complex and not all of them are equally important. Some agencies recommend certain products for no other reason than wanting to earn higher commissions. Not a few insurance agents are "hit and run", only good when selling but not so concerned with after-sales service.
Find someone who will act as your partner, provide additional information, propose alternatives, and not force you to buy products. If you get too much pressure to quickly buy, switch to someone else.
One of the best ways to get a good agent is to ask for referrals from friends, family members, colleagues or other professionals you've worked with (tax consultants, bankers, notaries, etc.). When the insurance agent comes to you, ask for references to the customers he has served. You can check the agent's track record from his clients.
2. Choose a professional agent
You need to make sure that the agent you choose has the expertise to meet your needs:
- Check the agent license . Life insurance agents must have a license from AAJI (Association of Indonesian Life Insurance) to be able to sell insurance products. Agents that sell unit-link insurance products must have additional special licenses. To obtain these licenses, an agent must pass a number of competency exams in his field. Unlicensed agents may convey inaccurate or misleading product information to their customers.
- Know the agent specialization . Some insurance agents specialize in traditional life insurance, while others may be more in the field of unit-link life insurance , group insurance or health insurance.
- Know the qualifications of the agent . Professional degrees such as Chartered Life Underwriter (CLU), Chartered Financial Consultant (CFF), Certified Financial Planner (CFP) and Life Underwriter Training Council Fellow (LUTCF) indicate that the agent has completed advanced training, passing a rigorous and serious exam with his professional development . An agent who is a member of the Million Dollar Round Table (MDRT) means to have entered the elite line of top agents. They must have had a long list of customers, long experience and following strict profession codes of ethics.
If necessary, see directly at least two insurance agents in order to make comparisons in terms of qualifications and the character of the agent and the suitability of the products offered. Nothing can replace direct contact in judging a person. A good agent will be diligent in listening and asking questions about your situation and helping to develop appropriate insurance solutions for your specific needs. If you are uncomfortable with your agent after face to face, or you are not sure he provides the service you want, look for another agent.
