WHAT YOU NEED TO KNOW |

The correct death benefit amount wanted or needed
The AM Best rating of the company (Should be minimum A+)
The AM Best rating of the company (Should be minimum A+)
- How long has the Agent chosen to handle your case been in the business?
- Is the Agent showing you a TOP 10 list of rates from the best companies to choose from?
- If a term policy is chosen (Recommended) is the guaranteed rate time period correct according to your budget and desire?
- If a permanent policy is chosen are you satisfied with the GUARANTEED numbers in the proposal?
- Has the agent fully disclosed the possible negative changes with the numbers in a cash value permanent policy?
- Has the Agent provided you with satisfactory TESTIMONIALS on his current clients?
- Will the application and underwriting process be simple and easy?
- Has the Agent provided you with multiple contact options for quick response to your questions and concerns?
- Do you have the correct beneficiaries named on the application to benefit from your death?