How Colorado Springs Insurance Brokers Can Help You Plan for the Future
November 28, 2014
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How to Choose a Life Insurance Agent in Castle Rock, CO

Here are five ways to obtain the information you need to decide on the right life insurance agent. Don’t just pick the first one that pops up in an online directory. There is some real effort you need to put forth in order to ensure you get the agent best suited to your insurance needs in Castle Rock, Co. Here are some tips for choosing a life insurance agent in Castle Rock CO.

1. You better shop around

Life insurance is important and it’s important that you find an agent that you like and trust. This can have a lot to do with the company they work for and the policies they off too, but be sure to vet the actual person you would be dealing with on a regular basis too. You want to be comfortable with the agent that you may one day have to call upon in an emergency.

How-to-Choose-A-Life-Insurance-Agent-in-Castle-Rock

2. It’s not about getting a deal

It’s life insurance, not designer jeans. You need a policy that can protect you and your family in the event of your death. You want a policy with few, if any, loopholes and you want to be aware of all the fine print. If you die unexpectedly, you don’t want your family to be left in lurch on top of everything else. Getting funds to cover funeral expenses, pay off debts and afford the day to day bills is critical. If there is a caveat in your life insurance policy that may affect your family receiving the necessary funds, you may want to look into another policy.

3. Ask around

The people you know best are a good resource. Ask about their insurance coverage, the broker they used, the company they are with etc. asking if they are happy with what they have and the people that signed them up. Word of mouth can account for a large amount of the legwork necessary for securing the right insurance agent.

4. Know what you want

Are you looking for a term life policy or a whole life policy? Do you just want accidental death coverage? This is something you need to discuss with your spouse, if applicable, or with your family in general. Your needs will be unique, and there is likely a particular dollar amount that you will need to meet or exceed in order to ensure your family is supported sufficiently.

5. Have a current budget

No, this isn’t so you know how much per month you can afford for a policy. This is so you know how much it costs you to survive a month-to-month. Knowing exactly how much you pay in expenses per month is important for obtaining an adequate policy. Knowing this will help you discuss your policy options with potential insurance agents, and give you a better idea of the policies available to you.

Keep in mind that policies tend to be tailored to specific groups of people, for example, those fifty years of age and over, or those who work in dangerous conditions, or those with pre-existing health conditions. When you meet with our insurance agents at DCInsurers, be sure to ask about the policies you qualify for, and find out if it is possible to have a policy tailored to you specifically.

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