There is nothing worse than a life insurance agent that comes across as a used car salesman. These people are pushy, manipulative, and worse yet, only care about how much money you can spend.
Of course, there is a fine line between an agent who is being pushy and one that is trying to simply show you how important it is to buy a policy.
Before we go any further, remember this: you are in the driver’s seat at all times. You don’t have to listen to what an agent has to say. If you don’t like the way you are being treated, there is nothing wrong with continuing your search with another insurance professional.
If you feel that you are being pushed, here are three tips that can help you regain control:
1. Be Firm
If you let yourself be pushed around this will continue well into the future. In fact, it will likely continue until the agent gets what they want – a sold policy. You must make it known early on that you are the one who will be making the final decision. Does this mean you should be pushy yourself? Of course not. Just make sure you don’t come across as a “pushover.”
2. Turn The Tables
Entirely too many consumers sit back, letting their life insurance agent ask all the questions. These people continually answer questions while never doing so themselves.
You have every right to ask questions of your agent. If you don’t do this, you will find out soon enough that you don’t really know anything about the person or what they are all about. Don’t be shy about turning the tables. This will give you a better understanding of what the agent has to offer. Who knows, you may soon find that you truly enjoy working with this person.
3. Don’t Rush Your Decision
This is clearly one of the best ways to regain control of your situation. Pushy agents love consumers who will make a rash decision. This allows them to throw a bunch of information out there and close a deal while the buyer is still confused.
There is no denying that you want to purchase life insurance without waiting too long. This does not mean you have to go so fast that you make a poor decision. Spend some time comparing policies and agents. This will put your mind at ease.
If nothing else, you can relieve some stress by realizing that there are hundreds upon hundreds of life insurance agents who are willing to do business with you. If one agent goes overboard and continues to push too hard, you can take a look at the bigger picture. Soon enough, you may find that they simply aren’t worth dealing with any longer.
The most important thing to remember is that you are the one in control. You are the consumer who is spending money. For this reason, the decision on what to buy should be yours and yours alone. Along with this, you should not feel pressured at any time.