Our advisors also stay by your side and help you review your needs annually to be certain you still have the best coverage for the benefits you need as you face various life challenges. Once you have picked the company that meets your needs financially, service then becomes the critical factor. You should expect your advisor or broker to have a good understanding of the products that are being sold. You want any claims you or your family may need to make handled quickly and without a lot of hassle. If you want to double check a company's claims records, check with you state's insurance commissioner.
States carefully track the number of complaints filed against a company each year.
Another good thing to do is call an insurance company's customer service line to ask about its claims history. If it's good, they will be happy to share it with you. If you difficulty getting the answer, it could a red flag and you'll want to be sure that you research that company more carefully. It is also a good way to test how the company handles customer calls. If you are unhappy before becoming a customer, it could be a sign of trouble later.