Asking about your risk level. He may not be interested in your needs Reveiwing about your claim history or background. Something may cause a company to decline you. Dealing in their area of expertise. Agents that try to be all things to all people, aren't Running an application mill.
Some agents only focus on volume Comparing low and high cost plans.
Polite and taking several minutes to give you suggestions. Not everything they do makes them money. Independent Agents are not stuck with so few products Use someone through word of mouth. The tried and true method Use common sense when applying for a plan. Ask about a companies customer service.