One good way to locate a qualified insurance agent or other financial advisor is to ask for recommendations from friends and professionals such as your lawyer or accountant. Ask about the person's experience and background, and make sure he or she specializes in the service and products you need. You also may want to ask if the agent has received any special certifications such as Chartered Life Underwriter (CLU) or Chartered Financial Consultant (ChFC). These designations mean the person has taken advanced courses and may have specialized training and knowledge from which you could benefit. Above all, you want to select an agent or advisor who listens well and will take the time to understand your unique goals.
When you ask a licensed agent or financial advisor for help, there are no additional costs or charges relating to the purchase of life insurance, whether you choose that agent or an online service.