No matter how much you prepare, life always manages to surprise. But taking a few precautions like the right burial insurance can facilitate a respectful exit for you and smooth execution of responsibilities for your loved ones.
An independent agent at the time of purchasing burial insurance is an absolute boon. Getting someone who has your best interest at heart and ensures that you get the desired coverage without an exorbitant premium is nothing short of a miracle. But you need to consider a lot of things before selecting the ideal agent like Gary P. Cubeta from “Insurance for final expenses”, you can trust with your burial insurance.
But first, understand what a burial insurance policy is.
What is Burial Insurance?
Burial and funeral insurance is a type of whole life insurance that provides complete coverage for the funeral cost that is decided and promised before the policyholder’s demise. But there are many burial insurance providers and selecting the right one for your needs from among them is a challenge. Herein comes the need for an efficient agent.
Traits of the Ideal Independent Agent for Burial Insurance
Such an agent must be very well-informed about the industry trends, well-versed in differences of policies from one provider to the other, concerned about the insurance needs that you have, and capable of choosing the best options which will benefit you the most and explain them to you in a lucid way.
How to Find the Best Independent Agent When Buying Burial Insurance?
- Try to Get References – Word-of-Mouth should be your guiding star for searching for agents. Ask trusted friends or colleagues. Today, many reputed firms have created a niche for themselves in the industry for their quality services. You can also hire a rep from such a firm. Opting for professional agents from local and reliable agencies can go a long way while buying the policy.
- Interview All the Potent Agents – You should interview a minimum of 3-5 agents from different backgrounds. Try to know their specifics as you do in the case of your lawyer or accountant. Ask the agents about their credentials, resume, experience, and recommendations. Tell them about your situation and see from whom you get the best advice and after considering all these, arrive at a proper conclusion.
- Run Background Checks – You should always make sure that the agent’s license is updated and that it abides by the requirements of the state. You can also ask for a copy of their license to verify the status by yourself. It would help if you looked out for complaints and reviews about this particular agent. While making the final choice remember that you should go with an agent who has an excellent track record, is adequately licensed and always prioritizes your concerns.
- Find an Expert – Finally, choose an agent who is truly an expert in the field of burial insurance. Such a person can provide proper guidance about how to fill out the claim so that you can gain maximum benefit. Your insurance needs may even change over the years, and your agent should keep a close eye on that. Advanced certifications and designations demonstrate your agent’s commitment to education.
The above steps will surely take you one step closer to the right agent who can help you get a burial policy that will deliver exactly what you are looking for in need of the hour. This way, you can live to the fullest without worries- after all, you have it covered.
