It is important to choose a good insurance agent as this person will not only assist you in finding insurance solutions but also help you have an enjoyable insurance experience. Keep in mind that your relationship with your family and an insurance company that you rely on is a long- term one and will exceed your lifespan. An insurance agent serves as a mediator that represents you before an insurance company and represents an insurance company in front of you.

The following are some things to consider before choosing a life insurance agent:

Choose an agent with integrity

Integrity is the most important thing of all. Many features of an insurance policy are complex and not all of them are important. Many agents recommend products with no clear reason but to gain higher commission. Many insurance agents also apply the “hit and run” tactic by sealing a deal with no after sales service.

Seek an agent who will become your partner, who is willing to provide additional information, propose alternatives and does not force you to buy a product.

If you are highly pressed to buy a product as quickly as possible, move to another agent. One of the best ways of getting an agent is by asking for recommendations from friends, family members, colleagues or other professionals whom you cooperate with (tax consultants, bankers, notaries, etc). If an agent approaches you, check their records.

Choose a professional agent

Make sure that a potential agent has the skills to meet your needs. An insurance agent should have a license issued by the Indonesia Life Insurance Association (AAJI). An agent that sells a unit-linked insurance product should hold an additional special license. To obtain these licenses, an agent has to pass a number of exams. Unlicensed agents will provide inaccurate information on products or mislead their customers.

Find out what the agent specializes in. Several insurance agents specialize in traditional life insurance, while others may focus on unit-linked insurance, combined insurance or health insurance.

Find out the qualifications of the agent. Professional degrees such as Chartered Life Underwriter (CLU), Chartered Financial Consultant (ChFC), Certified Financial Planner (CFP) and Life Underwriter Training Council Fellow (LUTCF) shows that the agent has completed continued training courses and passed an examination with developed profession.

An agent that has become a member of the Million Dollar Round Table (MDRT) means they have entered the top-tier. They surely have a long list of customers, years of experience and adhered to a strict professional code of ethics.

Choose from several agents

If need be, meet with at least two agents and compare in terms of qualifications and character as well as suitability of the products the agent offer. Nothing can replace direct contact in assessing someone. A good agent will patiently listen to and raise questions about your situation and help find the right insurance solution for your specific needs. If you do not feel comfortable with an agent following a face-to-face meeting nor feel confident that the agent will provide the service that you expect, seek another agent.

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