10 Questions to Ask Your Life Insurance Agent

While life insurance is a topic many decide to put off until completely necessary, everyone could benefit from a life insurance policy. If anyone depends on you financially and would not be able to continue living comfortably in the event of your sudden passing, you need a life insurance policy. There are a variety of factors and options necessary for consideration in regards to a life insurance policy that you will need to go over with your insurance agent. To ease the process, we have compiled a list of 10 questions you should ask your life insurance agent:

1. Before you get into the important details, you need to research the company and the agent in particular. You will want to know how long the insurance company has been in business for and their ratings for life insurance in particular. You can ask your specific agent to see their credentials as a life insurance professional.
2. Once your life insurance agent determines your €œneed,€ you'll want to ask exactly how they came up with that number, especially if you have unique debts.
3. Ask if the policy you are considering purchasing comes with living benefits.
4. You'll also want to ask what is guaranteed when you purchase this expensive product.
5. Ask your life insurance agent when you can expect your returns. This will only apply to those with permanent life insurance policies.
6. As morbid as a thought this may be, you must consider if your health status changes, how your life insurance policy will be affected.
7. Ask what benefits you will be provided with or what will be covered if you become disabled.
8. This varies among insurance providers, so you must ask if your death benefits will adjust with inflation.
9. You should also ask what happens if you are unable to pay your premium due to financial troubles.
10. As you age, your fiscal needs will change, therefore, you will need to ask how the terms and conditions of your policy will be affected.

Contact Little & Son's Insurance Services today for all of your Calimesa, California insurance needs. We can help formulate a unique life insurance policy based on your individual needs.