Often times the service that is provided by a life insurance agent is underestimated.   You might think that the only thing the agent does is sell you the policy and then moves on.   We focus on providing great service to our customers during the underwriting process and after they are officially a policyholder.   I have heard many customers, say that they didn’t know who to call and had to call someone at a call center for a basic policy question in the past.   We are available to our customers at anytime to answer whatever questions they have and whatever adjustments they might need to make.   For example, if they need a change of beneficiary form or need to adjust their address, we help them with that.  If they have a claim, then we are there to help them through the process.

Another aspect of what we do from a service perspective is keeping them informed of any changes, updates, improvements in the industry.    It is important to know what is going on as changes can effect them.  On top of that, we stay in touch about their conversion options.   If they don’t already have a permanent life policy, such as whole life or universal life, it is important to keep them posted on options.   With most carriers there is the option to convert all or part of your policy to a permanent plan with no proof of insurance.   Clients are often not aware of this option and it can be of great benefit.   Service is an important component of what we offer our clients.

It is important to have a good life insurance consultant when you apply for life insurance.  The consultant needs to have the knowledge and understanding of where to send your application if you have health limitations.  For example, if you have type 2 diabetes, what companies will approve you with that issue and underwrite that the most liberally?

Often times it makes sense to put in a preliminary request with some providers to get there take before officially going into the underwriting process.   The last thing that you want is to be declined by a provider.  Once you are declined you have to include that on other applications for other providers.  Also, if you receive a better rating with one company it can save you a substantial amount of money on premium costs.

If you have serious health issues you will be paying more for life insurance than a totally healthy person, but there is a good chance you can still get it.   Make sure you speak to your life insurance agent about this issue as this can be very important for your pocketbook.