Do Life Insurance Agents Really Care Or Do They Just Want To Make A Sale? 
Having been in this business for more than 30 years I have seen many agents come and go . There are , unfortunately , agents who are self centered and just interest in a sale . Check out the agent . Is he or she new in the business ? Sometimes those agents do not have the experience in life to understand what they are selling . Are they independent or do they work for a company as a captive agent ? Sometimes captive agents are being pressured by their sale managers to make a sale regardless of the clients needs especially when they are new . Are they local ? Is there home phone listed on their business card ? Some agents are sent in by a company from out of town . They may have an office phone number listed but no cell or home making it impossible to reach them if you need them of hours . I believe in being accessible to my clients . How pushy are they to make the sale THAT day ? While buying insurance is important , if you are not comfortable with the agent do n't let them pressure you . If they are truly caring then they will allow you time to make a decision and will be ready to answer any concerns about why you ca n't make a decision . Just be honest though . If you have a concern , tell the agent . Do n't just give him a put off . Do they ask questions to help determine what your needs are or are they just peddling policies ? A policy peddler is easy to spot . Not that these answers necessarily disqualifies them about how much they care , it is just some factors to weigh when evaluating your agent . . In my practice we try to help a person determine their needs and what they are trying to do . I look at affordability , family situation , debts , and other factors . I try to help solve problems . I go over the solutions and let the client make the decision , I do not try to twist arms to make a sale . When I make a new client I keep in touch and let them know I care and that if they need me I am there to help them . My clients can always reach me with questions . An agent who is trying to make a commission and does not care about his clients can be easily be recognized by his actions and demeanor and his willingness to work with you . 