Choosing a Life Insurance Representative

Selecting a life insurance representative is the first step toward getting the right plan for your employees.
You need to decide whether to use a life insurance agent or a broker. While agents represent only the company they work for, brokers work as independent agents and represent multiple carriers. Plus, a broker will shop around and compare plans to help you find one that best meets your needs.
Ultimately you should choose the agent or broker who will provide the best service. He or she should be knowledgeable about insurance, and be able to understand your financial situation and your business's requirements. Additionally, your broker or agent should explain life insurance in terms you can understand. Before you hire a broker or an agent, ask the following questions:
How long have they been in the life insurance business?
Do they have a license to sell life insurance in your state?
Which carriers do they represent?
Can they provide you with a list of references?
And remember, according to insurance law, the agent or broker must put all proposals in writing. Don't do business with a broker who doesn't provide you with copies of proposals and documentation on every aspect of your potential policy.