Life Insurance Expert’s Opinion

Shopping for life insurance is not a simple process. Before you get a life insurance policy, you should know about the various coverage available in the market, and your personal needs before committing to a policy. Understand why life insurance expert opinion is valuable while getting a life insurance. This will make sure the process is easy and gives you better understanding on insurance policies and help you know which one to choose.

Consider an agent if you’re looking for affordable and reliable insurance, discounts on insurance and a good customer services. A life insurance agent will help you find the best insurance . Likewise, they help you compare insurance policies so that you don’t miss the best deals on life insurance policies. Insurance agents have skills beyond insurance policies. They give professional, impartial advice on insurance coverage. It will help you understand your needs and provide you insurance that helps in meeting your budget needs.  Additionally, their experience and knowledge will help in making the insurance purchasing process easier and convenient. 

We understand the importance of insurance agents and their opinion in the process of your life insurance journey. Therefore, we have some valuable expert opinions from our trusted and experienced Agency Height Life Insurance agents. That will help you understand life insurance better and prepare you before you get insurance.  

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Life Insurance Expert Opinions

Wanda V. Washington 

Based on your experience, what advice would you offer someone new to the insurance process about preparing the documents necessary to buy a life policy?  
Willing to truthfully answer the health questions. Additionally, have legal identification to prove you are insured. Have your banking information available to set up the monthly premium. 
 
How are the needs of the life insurance buyer evolving? Could you share a scenario where you went the extra mile to fulfill a unique insurance need? 
More insurance seekers are using the internet for information and are willing to do an e-application. I recently had to take a client to the bank to get his checking account number and routing number in order to finish his policy. The round trip was over 30 miles and he needed to stop by the grocery store. 
 
What advice would you like to give a beneficiary to do on their end to make the claim process go more smoothly? 
Please inform the insurer of the policy about any changes such as your name, address, and phone number to avoid any processing delays. 

“Answer questions truthfully and have your bank information and legal information ready to prove you’re insured.” 

Wanda V. Washington

South Carolina, USA

life insurance expert opinion

Michael L. Parish LUTCF

What suggestions would you give to someone who is new to the insurance process and is thinking of getting a life insurance policy?

First, you need to ask yourself what your purpose for buying life insurance is and what do you want it to accomplish. Is it for providing income for your family, paying the mortgage, covering burial expenses, etc.? What other resources do you have that would help in providing for the aforementioned situations. Sit down with your loved ones to discuss and make written plans to address the need for life insurance. There can be many things to consider and having a trusted advisor to assist can be very beneficial. 

How are the needs of the life insurance buyer evolving? Could you share a scenario where you went the extra mile to fulfill a unique insurance need?

As an insurance agent for many years I have seen firsthand how having adequate life insurance will help you. It will keep the utilities paid, the mortgage paid in the event of the loss of life of the family’s bread winner. I have seen life insurance pay for the education of many children. One thing is unchanging: Life insurance is the only means to create an immediate estate. 

What is some valuable advice would you like to offer a beneficiary to do on their end to make the claim process go more smoothly and faster? 

Make sure all the information concerning your claim is accurate and readily available to submit to your company. For example, for a life insurance claim, you would need the policy information like policy numbers and beneficiary info, death certificate and attending physician’s statement, etc. For an auto-claim you would need the police report. You also need policy information and preferably a company provided phone no. or app to send pictures of damage and other claims reporting documentation. 

“Ask yourself why you’re buying life insurance and what you want to accomplish. There can be many things to consider, so having a trusted advisor will be very beneficial. 

Michael L. Parish LUTCF

Indiana, USA

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Syd Rogers 

What documents are necessary while buying a life policy? What is some advice would you offer someone new to the life insurance process? 

Have your Driver’s License info. Current height and weight, Medications taken with dosage levels, Doctors seen in last 3 years with their office address and telephone number. Additionally, the name/s of your beneficiary/beneficiaries along with their Social Security number/s and date/s of birth. 

Are the needs of life insurance buyers evolving? Could you share a scenario where you went the extra mile to fulfill a unique insurance need? 

With inflation on the rise, many people are buying low cost, highly competitive Term Life Insurance from Independent Agents like me. Due to my 30 years’ experience and large volume of Term life bought from me by phone. I have often been able to lower the original price quote by interfering directly with company Underwriters. 

What are the things that a beneficiary to do on their end to make the insurance claim process go more smoothly? 

Be sure to obtain a certified Death Certificate, and verifiable proof of your identity as the named beneficiary in the policy. 

Even with the inflation on the rise, with my 30 years’ experience and the large volume of Term life bought from over the phone, I’ve been able to lower original price quotes. 

Syd Rogers

South Fallsburg, NY, USA

Miguel Clark

As a life insurance agent, what advice would you like to offer to first time insurance buyers about preparing the documents necessary to get a policy? 

As a broker, it is suggested to have an accessible list of financial documents and a clear understanding of your requirements.

How has the needs of life insurance buyers changed over the years? Could you provide us with a scenario where you worked to fulfill their unique insurance need? 

Every individual, a family, has unique needs and goals, with inflation families need more coverage and the ability to protect their assets and family. Having dozens of carriers and products has allowed me to find programs that help every unique situation. Many of the clients and families I have helped were told they had a two-year waiting period or given a higher price because they were placed in the incorrect risk class. After careful, thorough review and underwriting, I have been able to find immediate coverage and better rates for those that were not helped properly. 

What advice would you like to give a beneficiary to do on their end to make the claim process go more smoothly? 

A beneficiary should always have agent contact information available along with carrier information and policy number. During a time of loss, it will be difficult and having this information readily available will help us take care of the claim process smoothly and promptly. 

Thorough reviews and underwriting, I’ve been able to find immediate coverage and better rates for clients that were given a long waiting period and not helped properly. 

Miguel Clark

Arizona, USA

Why is it Important to Get Expert Insurance Opinion?  

Life insurance policies are complex, not always easy to understand. These policies are not always automatically in the insured’s favor. Therefore, getting a trusted agent/broker is a great way to get started but being well informed is still an insured responsibility.  

It is very important to not only hire an insurance expert but to make sure that the agent is experienced and qualified in the area of insurance that your circumstances require. Getting expert insurance advice, consulting with a life insurance agent and well worth getting.  

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Contact a local agent online to help you with your insurance needs.

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