• Be honest and direct. If you do not provide clear and honest information and instructions, the agent will not be able to properly assess your needs.
   
• Remember that quotes are exactly that - quotes. Depending on the type of insurance, assumptions may be used. Ensure you know what the assumptions are versus any policy guarantees. What happens if the assumptions change? Ask yourself if the assumptions used are reasonable.
   
• Ask questions regarding the product(s) or service being recommended. Take the time you need to ensure you understand what you are buying. Are the premiums guaranteed to stay the same, or will they change at some point in the future? Make sure you understand when your coverage comes into force. Sometimes knowing what is not covered is as important as what is.
   
• Some forms of life insurance will have temporary insurance coverage while the insurance company is underwriting the policy. Such temporary insurance is usually subject to many restrictions. Ensure you understand those restrictions.
   
• Know what will happen if you change your mind down the road or cancel the coverage - maybe in six months or on a life insurance contract in two years.
   
• Make written notes of your conversations. This is particularly important when you give instructions for an agent or adjuster to act on your behalf to make a change of any type, take a loan, agree to any settlement, etc.; or when the agent or adjuster confirms important issues to you verbally. (Never hesitate to ask him or her to confirm such issues in writing.)
   
• Read all proposals carefully. Take the time you need to review the information you have been given.
   

The CONSUMER CONTACTS section will provide you with some links that may assist in researching your insurance.