Co-Founder, Coastal Financial Partners Group, California
Life insurance is offered by life insurance companies through licensed agents. Most licensed agents are associated with insurance agencies. While each state requires agents to pass a proficiency examination or meet other requirements, there is no requirement for them to hold any specific designation. So, while you can buy life insurance from a variety of financial sellers, you should consider the agent's experience, training and professional credentials.
If you don’t want to have to hassle dealing with a life insurance agent, there are plenty of online portals and retail kiosks in malls that sell it. Some life insurance companies have gone the mobile app route with simplified issued policies to expedite the underwriting process.
For a the personal approach you can always find earner beaver agents and registered representatives in agencies and broker dealers that have access to the full inventory of life insurance providers. One word of warning: stay away from agencies that promote their own product line. It’s rarely the best deal.
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For a the personal approach you can always find earner beaver agents and registered representatives in agencies and broker dealers that have access to the full inventory of life insurance providers. One word of warning: stay away from agencies that promote their own product line. It’s rarely the best deal.