1Watch out for tricks. Some insurance agents will try to lure you with very profitable offers. Some of the tricks they use are: guaranteeing you a high coverage for cheap premiums, some won't provide any guarantee for the benefit that they are supposed to give and many scams promise you a safe and fast process. Be careful and always do the math.
2Think of the premiums that you will be paying and the benefit that the insurance company will give. If the offer is in their disadvantage, it is probably fake, because no insurance company will make a deal to their disadvantage!
3Always ask to see a valid license approved by a government institution. Do not go with only the insurance agents company ID, because those are very easy to fake.
4Be patient! Purchasing a life insurance policy requires a lot of thinking and calculation. Many fake insurance agents will try to rush you. This is not professional and you shouldn't give up to their demands. Make sure you understand the policy from top to bottom. Make sure to ask many questions and see if you receive clear answers. A professional agent should be able to clarify any issue.
5Do not give away personal information like your Social Security Number to agents. Many will ask you for details in order to give you a quote. They don't need your phone number or Social Security Number for that! Make sure that you only answer relevant questions!
6Refuse to pay your premiums through an agent. Ask for a more direct payment method, so that you know for sure that your money will reach the insurance company!
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