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Asking the Right Questions of a Life Insurance Agent

businessNo matter how much research you perform on a particular life insurance company, there will be questions you might have. Generally, there are two ways in which you can ask your questions. The two means would be either via the phone or through sending an email. Regardless of the method you employ to have your question answered, you will want to be sure you approach the process of asking the questions in the right way.

What would be the right way to ask a question? Basically, you want to ask the question in such a manner that it is easily and understood. If the question is easy to understand, then it will be easy to answer. You cannot get simpler than that.

How can you be sure to ask the right question? You will need to make a note of what concerns you. For example, if you have concerns over about the ability to make life insurance premium payments on time, then you need to simply ask what are the official rules regarding being late with a payment. Do not become too overblown or winded with asking such a question. Try to avoid putting any personal musings into the question. While the average person might want to put clarity into the question being asked as a hope of adding context to the question, doing so might end up cluttering the question and confusing the customer service or sales rep. Needless to say, this will do very little for getting a response to the question being asked.  Be sure your questions maintain a sense of clarity and they will serve your purposes a lot better.

What happens when you have more than one question to ask? You repeat the same process one step at a time. Avoid the desire to clutter several questions altogether. Doing so can prove to be very problematic since the representative will not be sure where one question ends and the other one begins. How can you be sure you will get the right response when you are putting forth very murky requests for information? You likely will not get a clear response since the questions are not even close to being clear.

Is there much of a difference between how you ask questions between sending an email and making a phone call? There really is not. The same points about being clear and concise with questions do not change.  This is true no matter which life insurance company on  you contact.

With an email, if you have more than one question, it is best to bullet point them in the body of the email. This way, the person reading the text will know where one question ends and another one begins. With a phone call, it is best to ask one single question and stay on topic until the question has been sufficiently answered. Do not jump around during the conversation or else you run the risk of it being confusing and lacking in clarity.  Again, once you confuse the person you are asking questions to, you undermine your ability to actually get an answer.

Posted by Anita Young on June 16th, 2013 :: Filed under Life Insurance Information
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