Purchasing life insurance is an important financial decision that requires working with a knowledgeable agent you can trust. With so many insurance agencies to choose from in the Virginia Beach area, it can be tricky to identify the best agents that are the right fit for you.
This comprehensive guide will walk you through everything you need to know about finding the top life insurance agents in Virginia Beach, including:
- Benefits of using a local agent
- How to research and evaluate agents
- Top-rated life insurance agencies in Virginia Beach
- Questions to ask potential agents
- Working with an agent to get the right policy
Follow along for tips to help you partner with a great Virginia Beach life insurance agent and gain valuable coverage.
Why Work With a Local Life Insurance Agent?
In the internet age, you may wonder if you even need to use a local agent. Couldn’t you just buy life insurance online and skip the middleman?
While that’s certainly an option, there are some key benefits to working with an in-person life insurance agent:
They simplify the process – Life insurance can be complex. An agent guides you through all the options and paperwork.
They personalize recommendations – A local agent takes the time to understand your financial situation and goals. This allows them to suggest tailored solutions.
They act as an advocate – If any issues come up with your insurer, your agent goes to bat for you and leverages their relationships.
They provide ongoing service – A life insurance agent can answer questions and modify your policy as your needs change over the years.
An experienced local life insurance agent combines personalized advice with convenience. This can provide huge value versus trying to go it alone.
How to Research Life Insurance Agents in Virginia Beach
Once you decide to use an agent, how do you pick the right one? Here are some tips for researching agents:
Check reviews – Reviews on Google, Facebook, and Yelp can give you insight into an agent’s customer service. Look for consistently positive feedback.
Confirm their licensing – Verify the agent has an active license in Virginia through the State Corporation Commission. Licensed agents meet standards for education and ethical conduct.
Look for longevity – Established agents with years (or decades) of experience in Virginia Beach offer invaluable perspective.
Seek referrals – Ask for recommendations from family, friends, or financial advisors. Referrals from happy customers go a long way.
Browse specialties – Look for an agent with expertise relevant to you, such as military personnel or retirees.
Taking the time to carefully evaluate agents reduces the chances of ending up with someone who isn’t a great match.
Top-Rated Life Insurance Agencies in Virginia Beach
To give you a head start on your agent search, here are some of the top-rated life insurance agencies with local offices in Virginia Beach:
New York Life – Long-standing national insurer with multiple dedicated agents in Virginia Beach. Excellent financial strength.
Northwestern Mutual – National company focused on personalized service. Several local Virginia Beach offices.
State Farm – Known for auto insurance but State Farm agents also offer competitive life products. Numerous locations.
Nationwide – Solid choice for life insurance and other policies. Agents throughout Virginia Beach.
Prudential – National “name brand” insurer with Virginia Beach agents. Broad range of life products.
John Hancock – Well-reviewed local agents offering term or permanent life options. Strong financial backing.
Don’t limit yourself to this list. There are also many independent life insurance agencies to consider in Virginia Beach.
Questions to Ask Potential Life Insurance Agents
Once you’ve identified some candidates, take time to interview a few agents before making your selection. Here are some key questions to ask:
- What life insurers do you represent? Do you recommend one over the others?
- How do you determine the right amount and type of life insurance for a client?
- What options do you present for permanent vs. term life insurance?
- Do you offer accelerated underwriting options to speed up the application process?
- How long have you been in the life insurance business? How long in Virginia Beach specifically?
- What ongoing support do you provide after the initial policy purchase?
- Can you provide references from current clients I could speak with?
Listen carefully and gauge if you feel comfortable with the agent and their responses. Make sure any questions you have are fully addressed.
Work With Your Agent to Get the Right Life Insurance
Purchasing life insurance isn’t a one-and-done transaction. You’ll want to continue working with your agent well after the initial policy purchase.
Your agent will advise you on the application process. This may include completing medical exams or providing financial records. Be thorough and transparent so they can secure you the best policy with proper coverage.
Over time your agent should conduct periodic reviews of your policy. They can recommend adjustments to keep up with changes in your finances, family, or needs. Their expertise helps ensure you have coverage that evolves with your life.
Find the Life Insurance Guidance You Need in Virginia Beach
There’s a lot to consider around choosing the right type and amount of life insurance tailored to your family’s needs and budget. Rather than go it alone, partner with a knowledgeable local life insurance agent.
Do your due diligence to pick an agent that makes you comfortable and clearly explains your options. They’ll simplify the application process while providing personalized recommendations. An experienced agent remains a trusted resource for the lifetime of your policy.
Use this guide to kickstart your agent search. Reach out to top-rated life insurance agencies in Virginia Beach for quotes. Then you can feel confident you have the coverage that’s right for you.
Life Insurance Virginia Beach, Virginia | The Sholar Agency, Inc
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