An insurance agent has offered to review my policies and check the beneficiaries and policy provisions. Should I agree to this, or is this just another attempt to sell me more insurance?

Insurance representatives do such reviews as a service for the policyholders in order to verify and update beneficiary designations and to identify other changes that might be needed.

These reviews may reveal that you have gaps in your insurance or financial needs that you may be unaware of. Your agent may then suggest ways to fill these gaps. If you are satisfied with your insurance company and your agent, it is usually a good idea to have periodic reviews of your insurance coverage.

You could also hire an independent financial planner to do such a review if you prefer to get unbiased advice from someone who will have no incentive to try to sell you anything.

Regardless of who does this review, you should make it clear that you will be under no obligation to make any further purchases should you agree to have a review.

NOTE: The answers to coverage questions are primarily based on ISO forms generally used in Florida by most companies. However, please keep in mind that all companies forms are NOT necessarily the same. Some companies may provide broader coverage and some may be more restrictive. IN ALL CASES, THE CONSUMER MUST REFER TO HIS OR HER OWN POLICY FOR SPECIFIC COVERAGE INFORMATION.

F.A.Q - Questions And Answers about Florida Insurance


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