If you work with an agent, communication is very important in the beginning as you share your goals and budget and choose which product and insurance company are the best fit. But, you will likely only speak with your agent at annual reviews, with product changes like conversions or adding new riders, or if you change contact information or beneficiaries. Claims, however, are filed directly with the carrier and take around 7-10 days. Your agent can assist you in finding the proper contact information for the insurance company.