I clinch at times when I hear a new client talking about their experience with another Insurance Agent. I will not describe some situations I’ve heard about, simply because I don’t like to focus on the negative. Instead, I want to focus on the positive and educate people, but let’s talk about the good traits I believe an excellent insurance agent makes.

First of all, an excellent insurance agent puts YOU first. They care about helping you. They propose insurance plans to you that they believe can fit your personal situation.

I know that is easy to say, but how do you know when an insurance agent has your best interest at heart, you wonder?

To me, you will see their behavior back in the quoting and decision-making process. A great insurance agent will:

  • Ask questions to understand you, your situation, and what is important to you
  • Help you understand the options that you have and, preferably, from different insurance companies
  • Explain the proposed plan elements and why it was built up this way
  • Clearly describe any exclusions and limitations of the plan
  • Check if your current doctors are in-network
  • Check with you if you understand the plan
  • Take the time to answer your questions
  • Give you time to review the plan and think it over before deciding to sign-up for that insurance

Agents that rush through the explanation, are vague, and pressure you to sign-up right away, might find closing the sale more important than YOU, the person that has to live with the consequences when you are not fully sure how the plan works and if that is what you want.

While the above list shows agents’ style, another important factor is whether you feel you have rapport with the agent. Often times that can be just a gut feeling. Also, if you don’t like how they talk or feel you are “being sold” a plan, only you can decide for yourself if you are comfortable with signing up or whether it’s better to take more time to look around. Ask your friends and colleagues who they know they trust. There is so much power in learning about other people’s experiences.

You can learn more about the difference between an Insurance Agent versus a Broker in this blog post.