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Term life insurance agent ethics
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Our responsibilities as your
licensed agent
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Term life
insurance agents have important responsibilities
which we take very seriously. It can make
all the difference when
shopping for term life
insurance to have a trusted advisor to guide you
through both the choice of coverage and
enrollment process. .Let's look at some of
the ethical responsibilities that a
professional
term life agent such as ourselves undertakes.
There are
many specific ethical responsibilities that we
abide by but as with other realms of ethics, it
can be boiled down to one overarching principle.
A slightly modified version of the Golden Rule,
"Do to others as you would like done to you" is
the underpinning of all we at
etermlifeinsurancquote.com try to do for our
clients. We have each had experiences
where a person (be it a waiter, salesperson,
concierge, etc) clearly had their own agenda in
information they gave us. In just renting
a car, the attendant asked me if I wanted to
bring back the car filled up or have them do it
and that their gas was cheaper. What she
didn't say is that it's nearly impossible to
bring back the car exactly empty so you are
essentially paying for the unused gas.
When you average that in to the "lowered rate"
they quote, (let's say at a 1/4 of a tank left
over), then it's significantly more expensive.
That's clearly not in my interest and I had a
very negative take away on entire company for
something that would have made then $10-20 in
gas over-charges. Clearly, that's not the
way to go.
On this same
trip, when leaving to snorkel in Hawaii, the car
attendant asked where we were going and
recommended a great spot for our kids. He
didn't need to do this and it made our trip
(after seeing dozens of fish and a very large
eel!). I consequently came a way with a
great feeling about him (thanked him later) and
the hotel. It helped make the trip.
Both of these
are in their own ways reflections of ethics
applied in the way we look at being life
insurance agents. The first person put the
companies `interests ahead of mine.
Ultimately, it's bad for the company because
I'll never use them again. The second
person went out of their way to give me valuable
information. It's really that simple.
As
term life insurance agents, we will look at
your situation and do whatever we can to get you
the best value for your money. We
have no vested interest in you going with any
particular carrier or plan. This means
using quality
life carriers (your coverage is only as
good as the carrier's ability to pay). It
means giving you the best rates on the market
for these carriers and their plans. It
also means giving you access to our powerful
quoting engine so you compare various plans and
carriers side by side. Most importantly,
take a look at our
term life article database.
First, look at the volume of education and
insight on the term life insurance market that
we try to give you. Secondly, read through
some of the articles such as
whole versus life
or
why term life insurance and you'll notice
that the entire focus of our writing is to give
you a behind the scenes view of how life
insurance works so that you can make a confident
choice for your life insurance needs.
Also, notice
that we do not bombard you with requests for
phone number and emails the way most life
insurance quoting websites do up front when
requesting a quote. The whole "Complete a
form and wait for them to send you a quote" is
so pre-interenet. Why not do this? Well,
because those drive me crazy when I'm searching
online. Hopefully, this will let you know that
we have your best interests at heart. Do
to others....
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TERM LIFE
AGENT ETHICS |
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