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Disclaimer
- Take your time. On one hand, don't put off an important decision that would provide protection for your family. Make sure you fully understand any policy you are considering and that you are comfortable with the company, agent and product.
- When you purchase a policy, make your check payable to the insurance company, not to the agent. Be sure to get a receipt.
- After you have purchased an insurance policy,
keep in mind that you may have a "free-look" period -- usually 10 days
after you receive the policy -- during which yo
Review the copy of your application contained in your policy. Promptly notify your agent or company of any errors or missing information.
- If an agent or company contacts you and wants you to cancel your current policy to buy a new one, contact your original agent or company before making a decision. Surrendering your policy to buy another could be very costly.
- If you have a complaint about your insurance agent or company, contact the customer service division of your insurance company. If you are still dissatisfied, contact your state insurance department. Most departments have a consumer affairs division that can offer help, and some have a toll-free number to respond to consumer requests.
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