FINAL TIPS

FINAL TIPS

Here are a few tips to keep in mind about your life insurance
purchase:Take your time. On the other hand, don't put off an
important decision that would protect your family. Make sure you
fully understand any policy you are considering and that you are
comfortable with the company, agent and product. Don't rush into
a decision just because you are feeling pressured.When you
purchase a policy, make your check payable to the insurance
company, not to the agent. Be sure you are given a receipt.After
you have purchased an insurance policy, keep in mind that you may
have a "free-look" period usually 10 days after you receive the
policy during which you can change your mind. During that period,
read your policy carefully. If you decide not to keep the policy,
the company will cancel the policy and give you an appropriate
refund. Ask your agent.Review the copy of your application
contained in your policy. Promptly notify your agent or company
of any errors or missing information.If an agent or company
contacts you and wants you to cancel your current policy to buy a
new one, contact your original agent or company before making any
decisions. Surrendering your policy to buy another could be very
costly to you.

If you have a complaint about your insurance agent or company,
contact the customer service division of your insurance company.

If you still are dissatisfied, contact your state insurance
department. Most departments have a consumer affairs division
that can offer help.Review your policy periodically or when your
situation changes to be sure your coverage is adequate.