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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

What Life Insurance Companies In Illinois Should You Select From?

Which life insurance companies are the best ones in the state of Illinois? That is somewhat of a trick question. There are quite a number of excellent life insurance companies in Illinois. Among the top companies in the state would be Illinois Mutual, Manta, Federal Life, and more. How can you tell which one is the best? The truth is, if the company is able to exist and survive in a state as competitive as Illinois, then the company likely has many quality life insurance policies to offer. The key here is you must find the policy that would be of most value to you.

To discover which policy has the most to offer, you must take time out to request quotes. Quotes can be colloquially described as estimates of the life insurance policy you are seeking. A quote will detail all the costs and benefits the life insurance policy will offer. Upon reviewing the quotes, you can then take steps to select the best policy.

Now, this does not mean that one company has only one policy. A single company can offer several different policies. To determine which one would be best for you, you may have to request several quotes from several companies.

Posted by Jessie Milam on June 9th, 2013 :: Filed under Life Insurance Information

Life Insurance Companies and Term vs. Whole Policies

There are more options available with life insurance than you might initially think. Most assume they will be required to pay for a whole life insurance policy. That means they acquire one policy that will cover then for the entirety of their life. Subsequently, they would also have to pay the monthly premiums on the policy month to month without any reprieve. This is not the only option. Term life insurance is also available and all reputable life insurance companies will offer it. Term life insurance is, not surprisingly, a form of insurance that is covered for a set amount of time. For example, the policy could be purchased for a term of 15 years. Each year, the amount of money paid on the premium will decrease until it expires. After the expiration date, the holder of the policy can make a determination as to whether or not it would be rise to acquire a new policy. For some, there ,may be a decision to do so. Others may opt to simply move on and not be concerned about procuring life insurance anymore. Personal circumstances will dictate such a determination. Which is better, whole or term? The answer to that is based on a variety of factors and from person to person.

Posted by Jessie Milam on June 2nd, 2013 :: Filed under Life Insurance Information