Homeowners, auto, health, disability, and life insurances can prevent financial disaster due to a crisis. Chances are, at some point in your life, you're likely to want the services of an insurance agent. A good insurance agent can help you protect one of your greatest assets: your money. How do you find an exceptional insurance agent, and how will you know one when you meet one? Read on to find out.
1Good Listening Skills
An agent should not pressure you to select a certain type or amount of insurance. If your agent pressures you even if he hasn't heard yet to what you have to say, turn around and go the other direction. An effective agent is attentive and listens well.
2Takes Time To Know Your Situation
A good insurance agent will sit down with you and focus on your financial needs and desires. He will take time to know you and your situation. His recommendations are solutions that work well with your circumstances.
3Returns Your Calls Promptly
An ideal insurance agent returns your calls promptly. You may call your agent if you have questions or comments about an insurance policy or claim. A quality agent would call you back within 24 hours if he were unavailable when you called.
4Employs Quality Staff
A good agent employs quality staff. He understands the importance of having office workers who show up on time, dress appropriately, and use courtesy and kindness when dealing with you. Such an agent realizes that his customer service is only as good as his staff's professionalism.
5Uses Tact, Understanding, And Knowledge
An effective agent understands where you're coming from. He'll listen to you with all ears. He will also present you with facts and examples that educate you regarding the insurance you seek.
6Always Show Honesty
A great insurance agent is honest. He will tell you the downsides as well as the benefits of the policy. Do your research and get feedback from other people to determine his honesty.
7Can Sell Several Insurance Products
A great insurance agent can sell more than one insurance product. He should have interfaced with many insurance companies. This way, he'll be able to find a policy that fits you and your needs like a glove.
8Possesses Some Legal And Tax Knowledge
A good agent should be able to explain to you the general legal and tax ramifications of the policy. He should possess some legal and tax knowledge. Specific legal and tax expertise, however, should still be directed to an attorney or tax professional.
9Involved In The Local Business Community
An agent should know many of the local bankers, store owners, and major employers in your town. He must be involved in the local business community. You might see him at your local street fair or farmer's market on a Saturday.
10Is Friendly And Open With Others
A competent agent will have a smile on his face and openly chat with you. He should be friendly and open with others. It makes things more comfortable when you deal with a warm and competent agent.
11Not Overly Aggressive Or Pushy
A good agent is not overly aggressive. He knows that being too pushy with a prospective customer rarely helps to get a successful sale. You can usually tell immediately if an agent is overly pushy or aggressive, the moment you start.
When you're seeking an insurance agent that you can trust, look for these characteristics. Trust your instincts about whether someone is the right agent for you. Before you know it, you'll find a competent agent whose focus is to fulfill your insurance needs, so you can protect your precious assets.