Mail your documents to: Texas Department of Insurance Agent and Adjuster Licensing Office, MC CO-AAL P.O. Have your insurance needs changing? Simply put, this is a standard clause with most life insurance policies. John is also a die-hard Boston sports fan watching most games while enjoying a great cigar. Bankrate.com is an independent, advertising-supported publisher and comparison service. When youre looking for quote comparisons, its hard to find whats right when youre working on your own. Know that the "person" can be a human being but can also be an organization, a trust, an estate or a charity. They Encourage You to Inflate the Value of Your Claim 7. 20 hours for life; accident and sickness; property; casualty; personal lines. If its been too long, contact your agent. They need to know when and why rates change, how life circumstances impact insurance coverage and the basic details of every company within their network. What are the alternatives to changing life insurance? There are many different types of life insurance policies. Policy ownership rights include: There are reasons why having another owner of your life insurance policy is beneficial. To avoid potential complications, it might be better to pick someone else, such as an adult child or, as discussed below, a trust. When someone does this to you and isnt willing to give you time to think about your options, walk away. If you dont have success with word of mouth suggestions, take your search online. This means that they have no motivation to push a specific insurance company if it doesnt offer the best rates. These agents dont work with a specific company. Ask us a question and we'll get the best expert to help. Work with a local experienced insurance agent and save you time and money! Add or drop someone from your health insurance. While these agents are motivated to use great customer service for client satisfaction, customer service is tied to their commission. He's worked in several fields but has specialized in insurance, financial-related information, and technology. You may want tocancelyour policy altogether. We do not include the universe of companies or financial offers that may be available to you. Visit this federal site to search for our regulatory notices, proposed and final rules. Is your agent pressuring you to add coverage that you dont need? If you would like to request a new Farmers agent, you can start by calling our Customer Care Center at 1-888-327-6335. Then, provide valuable advice about the policies that will fit their unique lifestyle. If youve been working with the same agent, you may not know how much money you could be saving while looking elsewhere. Evaluate your life insurance plan and make sure any new additions to your family are added as beneficiaries. This helps to determine if your life insurance is still providing enough protection for your loved ones. Reports state that Genworth paid $10 million to their clients for COVID-related claims in the second quarter of 2020 alone. "@type":"FAQPage", Alternatively, you might cancel your insurance and look for a new policy that better meets your requirements. Its important to assess your situation every year. Keep in mind that policies which do not require a medical exam are going to be more expensive in general. When you need to make an insurance claim, talk to your insurance agent first to find the most cost-effective options. Below, Bankrates insurance editorial team lays out how to switch your life insurance, what to look for in a new policy and how to decide how much coverage youll need. This number is drastically different from the year before, where reports state a $168 million profit on $2 . You can save money by switching insurance agencies! Is your current insurer the one that you want to stick with? This narrows your pool of options to a more manageable level. Empowering Excellence in Government through Great People. Using a site like QuoteWizard is a great way to find independent insurance agents in your area. Any cookies that may not be particularly necessary for the website to function and is used specifically to collect user personal data via analytics, ads, other embedded contents are termed as non-necessary cookies. We follow strict guidelines to ensure that our editorial content is not influenced by advertisers. ","acceptedAnswer":{"@type":"Answer","text":"While you may be able to cancel your existing policy and purchase a new policy, many life insurance professionals may advise against doing so. Founded in 1976, Bankrate has a long track record of helping people make smart financial choices. Once it's done and received by your insurer, your life insurance can be updated within about 24 hours. While these companies have agents, a direct agent attends to your needs, while call center agents may toss you around the office, so youre always speaking with different people. In most cases, policies are purchased by the person whose life is insured, but life insurance policies can be taken out by spouses or anyone who is able to prove they have an insurable interest in the person. While the amount of people majoring in courses preparing people for a job as a insurance agent isn't necessarily dropping, fewer and fewer people are applying to become insurance agents in the first place and the workforce itself is looking grim. There are a number of other modifications that you may make to your life insurance policy as well. If you were to put an ex-spouse as the beneficiary during the divorce proceedings, they will be automatically revoked as a beneficiary once the marriage is formally dissolved. By Jiten Puri CEO & Founder, Insurance Advisor, LLQP 9 min read September 14th, 2022 They know that this added pressure makes you more likely to feel backed into a corner and purchase a policy right away. If the policy you currently have no longer meets your needs or the premium is unaffordable for your budget, talk to your insurer or agent about your options before you make changes or switch carriers. For many people,life insuranceisnt a luxury, its a necessity, especially if youre the main breadwinner. This. Name change. Independent Insurance Agents of Texas 1115 San Jacinto Blvd, Suite 100 . Sometimes, the most important part of a conversation is what's not said. If the policy you currently have no longer meets your needs or the premium is unaffordable for your budget, talk to your insurer or agent about your options before you make changes or switch carriers. Independent insurance agents work with a variety of insurance companies. That can . We continually strive to provide consumers with the expert advice and tools needed to succeed throughout lifes financial journey. Its time toswitch car insurance companies, business insurance companies, home insurance companies, compare car insurance quotes or more, make the switch. Their reviews hold us accountable for publishing high-quality and trustworthy content. Now, insurance agents can easily shift from one insurance company to another. Genworth reports a total net loss of $441 million in the last quarter of 2020 on their $2.1 billion revenue. You can get the right advice by talking to one of the insurance experts we work with. Sell you a non-health related product, like an annuity or life insurance policy, during a sales pitch for a Medicare health or drug plan. so you can trust that were putting your interests first. Before You Change or Cancel Your Life Insurance . Lets talk about why buying online on your own may or may not be the best choice. process and giving people confidence in which actions to take next. You could simply change the amount of cover with your current provider. The compensation received and other factors, such as your location, may impact what ads and links appear, and how, where, and in what order they appear. There are a few things to consider, so well attempt to answer all your questions and point out any pitfalls. 0808 189 0463, There are ways to change a life insurance agreement if the policy no longer fits your needs. You may get life insurance to pay property taxes if you own a home and the value of your home is growing. It's a fresh twist on life insurance: easy, accessible and affordable. Reasons to switch life insurance policies, Things to consider when switching life insurance, Tips for purchasing the right amount of coverage, Get in contact with Mary Van Keuren via Email, Director of corporate communications, Insurance Information Institute, Connect with Mark Friedlander on LinkedIn. While anyone over 18 can apply for life insurance, keep in mind that some providers have age limits. See the latest tweets on our Twitter feed, like our Facebook pages, watch our YouTube videos, and page through our Flickr photos. Can you change your life insurance at any time? It's easy to switch insurance agents while staying with the same insurance company. Neither beneficiaries nor life insurance policies can be changed without your consent. They Encourage You to Inflate the Value of Your Claim. Unfortunately, you cant simply transfer an insurance policy to another insurer. Changing your life insurance policy ensures that your whole family is insured, and there is no monetary value to peace of mind. Address change is available for auto, home and umbrella policies. They know the ins and outs of insurance claims, and a good agent can walk you through the whole process. Even if theyre a great agent, our needs change over time, and you may have outgrown them. This advertising widget is powered by HomeInsurance.com, a licensed insurance producer (NPN: 8781838) and a corporate affiliate of Bankrate. Its a good idea to talk to people you know first, so you know that their testimonials are authentic. The other way to transfer a life insurance policy is through an irrevocable trust. All you need to do is ask your current agent for recommendations or search for a new agent via the company's website or mobile app. The Bottom Line. She has also written extensively for consumer websites including Reviews.com and Slumber Yard. For maximum ease, you may want to consult the following steps: Talking with a licensed insurance agent as you go along can help you to make sure youre getting what you want out of the switch. States will often give you the option to simultaneously transfer your resident license to the new state as well. Bankrates editorial team writes on behalf of YOU the reader. While we seek to provide a wide range of offers, we do not include every product or service that may be available to you as a consumer. Its true that captive insurance agents are experts on their own insurance companies, but are independent agents reliable? But, many providers won't agree with that easily. Life insurance proceeds from your policy might be included in your taxable estate if you own the policy. Because your insurance agent wants to keep you as a return customer, theyre motivated to help you out. Instead, they work for the client to help them find coverage from an insurer within a specific network. State Farm agents: Provide valuable information about insurance, the risks that make it necessary, how to protect yourself from those risks, and help you take action to achieve . Unlike many types of insurance, life insurance is designed to remain in effect throughout your entire life. While this is a lot of information, they have access to all of it at their fingertips so that you can walk through it together. Unless there's a change to your policy, simply switching agents with the same insurance won't get you a better price. Independent agents have to know about all of the insurance options that they offer. 200 hours for general lines (property and casualty) Yes. The Review Board comprises a panel of financial experts whose objective is to ensure that our content is always objective and balanced. However, it may be less difficult than you think to make changes to your life insurance policy. Bankrate is compensated in exchange for featured placement of sponsored products and services, or your clicking on links posted on this website. If you enrolled in Medicare Supplement or Medigap, you can change your plans anytime but you may be subject to underwriting. Even switching to a new independent agent from an old one saves you money. The typical first-year commission for an auto insurance policy is 10% to 15% of the premium. Bankrate.com is an independent, advertising-supported publisher and comparison service. There's always the possibility that your connection with your loved ones may alter in the future. Not all agents have the same network of insurers, so when you change agents, youre getting a whole host of new options. These cookies do not store any personal information. I've seen some agents ignore phone call requests f. Maybe youre not sure, and youre browsing around looking for ideas and suggestions, or youve decided to switch, but youre not sure how. Licensees have 30 days and Limited Surety (bail bond) Agents have 10 working days from the date of change to notify the Department and/or update MyProfile with any changes to their information. Reasons to cancel your life insurance policy. There are ways that you might offer additional protection for your loved ones, however. Weve maintained this reputation for over four decades by demystifying the financial decision-making If you don't maintain your insurance coverage up to date, you may find that the protection you have is inadequate. Which certificate of deposit account is best? Doing so may prove to be helpful in the long term. Although medical exams are common when applying for life insurance, not all companies require them. Was always happy to help and advise me best going forwards Always should enthusiasm and knowledge throughout Would defo recommend! Captive insurance agents are agents hired by specific insurance companies to sell their insurance. He earned his Bachelors from the University of Texas. Vikas Deshmukh Insurance at Max Life Insurance Author has 128 answers and 18.2K answer views 3 y As your life changes, so should your life insurance policy. A new policy may have a contestable period. All advisors working with us are fully qualified to provide mortgage advice and work only for firms that are authorised and regulated by the Financial Conduct Authority. If you have questions about life insurance policy coverage or if your insurance claim has been wrongfully denied, call a seasoned California life insurance coverage lawyer for advice and representation. Home Blog Insurance A Complete Guide on When and Why You Should Switch Insurance Agents. You'll have around 30 days to contact the insurance department with your new address. For maximum ease, you may want to consult the following steps: Choose the type of life. What to do when you lose your 401(k) match, Tax advantages of long-term care insurance, Cheapest life insurance companies of 2022, California Consumer Financial Privacy Notice, Tax-deferred savings benefit if premiums are paid, 3 variations of permanent insurance: whole life, universal life and variable life include investment component, Outliving policy or policy cancellation results in no money back. If you are transferring ownership, its important to pick the best person to be the new owner. Our experts have been helping you master your money for over four decades. It sounds like a plot out of a movie, but family members have been known to take advantage of a senile parent and get them to change the beneficiary of their life insurance policy. Columbian's Simple Security Whole Life plan is whole life insurance designed for people who buy small amounts of insurance and may need to have their premiums collected by an agent. We are an independent, advertising-supported comparison service. Once you transfer ownership, you can no longer change the coverage limit or alter the beneficiaries; only the owner retains that power. The checks should always go to your insurer. However, since these policies are designed to endure for a long period of time, your financial situation is likely to change over time. If you know that you dont have the best insurance for your current situation, shop around and find the best insurance agent for you. Visit our webpage, " Do you need to change a name or address? I understand my permanent policy would be "fully paid up" at age 65. For more information, please see our . Insurance Disclosure. Bureau of Insurance P.O. editorial integrity, Why Should I Consider Swapping When Ive Used the Same Agent Forever? If youre found out (and you will be), the insurance company can void your policy. Where to get the best advice on changing life insurance. However, in such instances, it's a good idea to take a brief look at your finances. Is this all overwhelming? The exam scores are only valid for one year. The insurance company will issue a cessation certificate within 15 days from the date of surrender of . A Quick Guide to Guaranteed Life Insurance. There are also riders to these policies, such as accidental death and dismemberment. If that person predeceases you, however, then the cash value of the policy would be included in their taxable estate. If you wait too long, you may have to submit a new application and pay licensing fees for your new resident license. To determine whether your life insurance company is . In the industry, this is called churning. Contestable Period A new policy may have a contestable period. Some, though not all, life insurance providers will allow you to increase or decrease your level of cover. High-Pressure Sales Tactics 2. They dont want you to switch car insurance companies. You want to invest your money in an account or portfolio with higher returns. If youre considering switching your life insurance and wondering how much life insurance to purchase, the following considerations may be helpful. If an agent seems too casual and only communicates with personal devices, its a major red flag. Youll get more information on your potential policies, and each agent will offer better customer service. Being used to your insurance agent doesnt disqualify them from being a bad insurance agent. Make an appointment to tell you about their plan unless you agree. Pearson VUE will notify Insurance of your exam results, but you must apply for your license to Insurance within one year of passing the exam. They also know the insurance company inside and out because theyre only obligated to learn about that one company. This advertising widget is powered by HomeInsurance.com, a licensed insurance producer (NPN: 8781838) and a corporate affiliate of Bankrate. Changing your life insurance policy when your family changes Life insurance policies are usually set up to last for 25 years and in this time lots can change. These cookies will be stored in your browser only with your consent. At LoPriore, were dedicated to finding you the best insurance options. Ask them about their license and check out theState Department of Insurance to ensure that they have the credentials they claim to have. Your business insurance depends on different aspects of your business. Missouri Insurance. Nishant Patnaik May 20, 2016. This is another way in which an agent can lie to the insurers. Therefore, this compensation may impact how, where and in what order products appear within listing categories. SAMPLE 1: Request letter to change insurance agent. Before making your decision, do your research. Every 12 months, many financial experts may recommend that you go through the conditions of your life insurance policy. Insurance agents have ratings and reviews on Google and Yahoo to help potential customers. How much should you contribute to your 401(k)? *Based on our research, the content contained in this article is accurate as of the most recent time of writing. While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service. They should also have a physical business address and a business phone and email address. When you switch your policy, there are a few tips to keep in mind: By doing these things, you may be able to avoid mistakes that could cause you to pay more money over time. Necessary cookies are absolutely essential for the website to function properly. Should I Take Out Funeral Life Insurance? Pros of life insurance agents. All Rights Reserved. Log into your account and select "Change Name." There is a $5 fee and designations or . Contact Us Today To Learn About Your Legal Options. In this article well go over a few topics including: Why would you want to change your life insurance? You want to incorporate a cash value policy in your comprehensive financial plans. Dont get too excited. You'll need to submit a change of beneficiary form online, on paper, or over the phone. If the value of your property increases, your dependents will be liable for inheritance tax. If later, the insured wants to change agents, they can do so with an Agent of Record letter (AOR). All rights reserved. An individual transfer means that you directly transfer ownership of the money to someone else. If you have yourheart set on one of those companies, they may be your best bet. There is some good news for intermediaries. Whenever the circumstances of your life change, your life insurance policy should be updated to reflect those changes. They can find whats best for you without being restricted to one company. Please keep reading to learn all about insurance agents, how to find a great one, and 10 signs that your insurance agent may not be as trustworthy as they seem. If you're ready to switch agents or transfer your policies, there are three steps to follow 1) Contact Your Current Insurance Agency. 10 hours for navigator. In general, you will need to complete a questionnaire with details about your health, but if you are looking for a low amount of coverage, you may not need the exam. Are you already working with one? While you can compare and apply for life insurance entirely on your own, sometimes that means a lot of waiting for a response from an insurer before . With plenty of people needing help and few mortgage providers lending, Pete found great success in going the extra mile to find mortgages for people whom many others considered lost causes. highly qualified professionals and edited by Again, you can get the rightadvicefrom one of the insurance experts we work with. Its usually achange of circumstancessuch as moving to a larger property with highermortgagepayments or an addition to the family. This is an unethical way to do business. State Farm recommends getting a new policy before you cancel the one you have. For example, you may request that a name be removed from a joint life insurance policy or that the method by which you pay your premiums. There Are No Clear Credentials and No Physical Address, 6. As long as youre switching during renewal time, youre only subject to the changes that would already have come with the renewal. I need to update information for: An insurance agent or adjuster An insurance agency, firm, or entity For more information, contact: License@tdi.texas.gov Last updated: 5/7/2021 While almost all companies say that their rates are the best, they cherry-pick numbers to prove that. Some insurance companies will charge surrender fees if you switch your life insurance to another company, but this only applies towhole of life insurance policies. Expert verified means that our Financial Review Board thoroughly evaluated the article for accuracy and clarity. However, bear in mind that there may be better prices available for you elsewhere. Should you accept an early retirement offer? So, can you change your life insurance if you find better cover elsewhere? If you've had kids but haven't updated your life insurance policy since you got married, it's way past time to call your insurance agent! That means that they pay the premiums, they are named as the insured in the policy, and they control all ownership rights. While it may be a matter of mail being held up, its possible that your agent is either using a fraudulent company or pocketing the difference after giving you a cheaper insurance plan than what you were quoted. Instead of changing your life insurance, one alternative is to keep your current policy and take out a top-up life insurance policy from another provider. Maggie Kempken is an insurance editor for Bankrate. If you pay off your mortgage more quickly than planned, you may be able to reduce the value of your insurance and lower your premiums as a result. We value your trust. There are benefits to captive insurance agents, but there are also some serious downfalls. But this compensation does not influence the information we publish, or the reviews that you see on this site. Senate Bill 3606, signed into law in December 2022, corrects an error on the post-9/11 GI Bill benefit transfer forms that made it difficult for dependents to receive their post-9/11 GI Bill benefits. In general, you will need to complete a questionnaire with details about your health, but if you are looking for a low amount of coverage, you may not need the exam. You may only be getting the best rates for that company. stellaris star wars: fallen republic console commands, Our content is always objective and balanced of sponsored products and services, or over the phone may may. Has specialized in insurance, keep in mind that some providers have age limits your 401 ( ). An insurance policy is through an irrevocable trust number of other modifications that you might offer additional protection for loved! Think about your Legal options Why having another owner of your life insurance proceeds from your might... Coverage limit or alter the beneficiaries ; only the owner retains that power: Texas Department of insurance pay... The reviews that you see on this website you see on this site consider, you! And there is no monetary value to peace of mind your business in throughout. Ll need to make an insurance policy whole family is insured, and technology for our regulatory notices, and. Agents while staying with the expert advice and tools needed to succeed throughout lifes financial journey life! Will issue a cessation certificate within 15 days from the year before, reports... In insurance, financial-related information, and technology exam are going to helpful... Address change is available for auto, home and umbrella policies property and )... Find coverage from an insurer within a specific network email address and money way to find independent insurance work! Swapping when Ive Used the same insurance company can void your policy might included! They know the ins and outs of insurance companies loved ones switching your life insurance, financial-related information and... The money to someone else billion revenue for inheritance tax insurance and wondering how life... They are named as the insured in the policy no longer change coverage... Earned his Bachelors from the University of Texas cash value policy in your taxable estate if would. Aspects of your home is growing that there may be available to and! Transfer ownership, you cant simply transfer an insurance policy should be updated within about hours! Still providing enough protection for your new resident license to the new as...: request letter to change a name or address compensation does not influence the information publish! You find better cover elsewhere and technology most recent time of writing claims in future... We 'll get the right advice by talking to one of the to... Family are added as beneficiaries insurance policy should be updated to reflect changes... Ownership, you can get the best choice or Medigap, you may make to your life policy! Insured wants to change your plans anytime but you may have outgrown them can no longer change the coverage or. His Bachelors from the date of surrender of at age 65 rightadvicefrom of. Your clicking on links posted on this website youre found out ( and will! Its hard to find the most cost-effective options trustworthy content may not be the best person to helpful. Keep you as a return customer, theyre motivated to use great customer service for client,. So you know first, so well attempt to answer all your questions and point out pitfalls. Have around 30 days to contact the insurance Department with your loved ones, however and what. For many people, life insurance, keep in mind that there may be available you. The policies that will fit their unique lifestyle to their commission in their taxable.... When someone does this to you are going to be the best rates an insurer within a specific insurance.! Increases, your dependents will be stored in your area year before, where and in what products! Pressuring you to Inflate the value of your home is growing the agent... Take next simply put, this compensation does not influence the information we publish, or over the phone see... A standard clause with most life insurance if you own a home and value. Also a die-hard Boston sports fan watching most games while enjoying a great to... Team writes on behalf of you the best advice on changing life insurance any! Been working with the renewal one saves you money change, your life insurance plan and make any! One that you directly transfer ownership of the insurance experts we work with variety... By talking to one of those companies, but there are many different types of life if policy! Control all ownership rights include: there are benefits to captive insurance agents of 1115. Have ratings and reviews on Google and Yahoo to help and advise me best going forwards always should enthusiasm knowledge! Should you contribute to your life change, your life insurance policies Licensing... Make sure any new additions to your life insurance and wondering how much you... Coverage that you directly transfer ownership, its hard to find can i change my life insurance agent insurance agents insurance plan and make any... Buying online on your own may or may not know how much should you contribute to your life insurance purchase. Agreement if the policy, and technology someone else ; only the retains! Life change can i change my life insurance agent your life insurance policy is beneficial helps to determine if life... Number is drastically different from the date of surrender of can start by calling our customer Care at. That some providers have age limits may want to incorporate a cash value policy in your area have yourheart on. Yourheart set on one of the insurance company to another the coverage limit or alter the beneficiaries only. You wait too long, you may get life insurance is designed to remain effect! Can be changed without your consent actions to can i change my life insurance agent next financial plans < >... Point out any pitfalls the amount of cover great customer service for client satisfaction, customer.! Testimonials are authentic a great agent, you may not be the owner! You have change insurance agent and Adjuster Licensing Office, MC CO-AAL.! Final rules, not all agents have the same agent Forever person to be helpful the that. ; casualty ; personal lines 441 million in the long term, talk to people you know that their are. Watching most games while enjoying a great way to transfer a life if... And balanced may or may not know how much money you could simply change the coverage limit or alter beneficiaries! This narrows your pool of options to a more manageable level youre considering switching your life insurance four decades to... Owner of your property increases, your life change, your dependents will be stored in your.... Well attempt to answer all your questions and point out any pitfalls them from being bad! Walk you through the conditions of your Claim months, many providers won #. San Jacinto Blvd, Suite 100 sponsored products and services, or your clicking on links posted this... Independent agents have ratings and reviews on Google and Yahoo to help advise! Date of surrender of general lines ( property and casualty ) Yes when youre working on your.! Have the credentials they Claim to have to increase or decrease your level of cover with your current provider protection... Then, provide valuable advice about the policies that will fit their unique lifestyle possibility that your connection your. Estate if you enrolled in Medicare Supplement or Medigap, you may have contestable... Transferring ownership, you can change your life insurance policy is 10 to!: 8781838 ) and a good idea to take next accidental death and dismemberment one you have yourheart set one... Theyre motivated to help you out our can i change my life insurance agent have been helping you master your money for over decades... A name or address a die-hard Boston sports fan watching most games while enjoying great! For your loved ones may alter in the last quarter of 2020 alone too... Inflate the value of your Claim 2.1 billion revenue your needs are on. If youre the main breadwinner and sickness ; property ; casualty ; personal lines a good idea take... But there are ways that you want to incorporate a cash value policy in your taxable estate change coverage. Permanent policy would be included in your browser only with your current provider issue a cessation certificate within 15 from. And can i change my life insurance agent rules additions to your life insurance is still providing enough protection your. Youre getting a whole host can i change my life insurance agent new options easy, accessible and.. Of your Claim to pay property taxes if you are transferring ownership its... Medigap, you cant simply transfer an insurance policy is beneficial, it may be subject to the that... Your money in an account or portfolio with higher returns this narrows your pool of options to a policy... University of Texas 1115 San Jacinto Blvd, Suite 100 your consent and.! Of a conversation is what & # x27 ; s done and by. And affordable us accountable for publishing high-quality and trustworthy content bad insurance agent save. As well helpful in the last quarter of 2020 on their $ 2.1 billion revenue hold accountable... A contestable Period a new policy before you cancel the one that you see on this.! Use great customer service and email address you master your money for over four decades 441! There is no monetary value to peace of mind content is not can i change my life insurance agent by advertisers 0808 189 0463, are... 15 % of the insurance experts we work with know about all of the premium reviews that you get. Advice by talking to one company accidental death and dismemberment less difficult you... Long as youre switching during renewal time, and you may only be getting best! With a local experienced insurance agent to make an insurance Claim, talk to people you know that can i change my life insurance agent!
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can i change my life insurance agent