Who To Talk To About Life Insurance? 
You need to understand the difference between an agent and the broker . An agent typically works for one company , therefore can only quote the products that company has available . On the other hand , the broker has the ability to `` shop '' around to find the right fit for the coverage you are looking for . Once you decide who you want to work with , then you can start the process to find the right company , the right product with the right premium to fit your budget . 