A number of insurance rating services rate the financial strength of companies. These ratings can be found in large public or business libraries, or can be obtained directly from the rating service. There may be a fee for the information. Also check with the state insurance department to be sure the company is licensed in your state. Collect the names of several Financial Representatives through recommendations from friends, family and other sources.
All states require that representatives be licensed to sell life insurance.
In addition, representatives who sell variable policies must be registered with the National Association of Securities Dealers and some states also require additional licenses. A Financial Representative should be willing and able to explain various policies and other insurance-related matters. Let your representative know what you expect from him or her. You should feel satisfied that the representative is listening to you and looking for ways to get you the right type and amount of insurance at an affordable price. If you are not comfortable with the representative, or you aren't convinced he or she is providing the service you want, find another representative.