Insurance Tips• 2026-05-15• 5 min read
Essential Questions to Ask an Insurance Agent Before Buying
Meeting with an insurance advisor should be a collaborative, transparent experience. Knowing what questions to ask helps you evaluate the advisor's process and ensure you get clear answers.
Questions to Ask Any Insurance Professional
1. 'Are you an independent agent or a captive agent?' (Independent agents can shop multiple carriers; captive agents represent one company).
2. 'How many insurance carriers do you compare for my situation?'
3. 'What happens if my health or financial situation changes in five years?'
4. 'For term life: Does this policy include a conversion option to permanent coverage without medical exam requirements?'
5. 'How do you handle claims and ongoing service after the sale?'
Summary & Next Steps
A trustworthy advisor welcomes these questions and takes time to explain policy terms in plain, easy-to-understand language.