THE AGENT VISIT

THE AGENT VISIT

Now that you have reviewed the basics of life insurance and
thought about your personal financial needs, you can shop for a
life insurance policy with more confidence and knowledge.

What can I expect during an agent visit?
The agent you have selected will meet with you to discuss
your life insurance needs. He or she will ask questions about
family income and your net worth. Using the information you
already have assembled about your financial situation, you should
be prepared to discuss your insurance options.

Will the agent ask questions about my health?
In this initial meeting, be prepared to answer questions about
your health (for example, age, medical condition, medical
history, family history, personal habits). It is important that
you answer these questions carefully and truthfully; this
information helps a company charge a fair premium for your
coverage. For instance, you may pay a lower premium if you don't
smoke. On the other hand, if you have a chronic illness, you may
be charged a higher premium.

Also, in the event of a claim, accurate and truthful answers
enable your beneficiary to receive prompt payment. Inaccurate or
untruthful answers, however, may cause delay or even denial of a
claim.

When you apply for life insurance, you may be asked to have a
medical exam. Often, a licensed medical professional will make a
personal visit.