How to Find a Child Life Insurance Agent

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After determining your need for child life insurance and researching child life insurance quotes, service, and company's financial strength, you should speak with a company representative. Here are some tips to help you find an agent in your location.

Check the company website for agent information - Many insurance companies and brokers have a comprehensive agent locator which will provide you with the phone number and address of local agents.
Contact an agent association - These professional associations can assist you in finding an agent in your area.
Call the insurance company or brokerage company directly - A toll-free phone number for each company is typically found with the company's brochures and quotes.

Methods of Child Life Insurance Distribution

Insurance companies typically use four methods to distribute and service child life insurance. These four methods include:

Captive Agent - A broker-agent acting as a captive agent represents a single insurance company, or specific group of insurance companies, and is obligated to submit business only to that company or group of companies.
Independent Agent - A broker-agent acting as an independent agent is a contractor who represents various insurance companies and who typically searches the market for the best product based on your wants and needs. These agents must be appointed by each insurance company they represent before they are able to sell the companies products.
Direct Writer - Insurance companies can sell child life insurance directly to you through direct writing with their own employees, typically via Internet, phone, or mail.
Insurance Broker - A broker-agent acting as an insurance broker is an independent sales representative who searches the insurance market in the interests of client needs and may use any insurance company.

What You Should Do Before Buying A Policy

Check the financial security of the insurance company - All insurance companies are rated on their financial strength by private rating agencies such as Best's Insurance Reports. Check the internet to find insurance company ratings.
Know the benefits and risks of the child life insurance plan you are buying - The internet, state insurance commissioners and the insurance companies are all sources for this information. Also, ask the company for a copy of the policy form for the life insurance policy you are thinking of purchasing for your child or grandchild. The policy form will show you the actual terms of the policy.
Contact your state insurance commissioner to make sure your agent, broker and company are in good standing before buying anything - Most state insurance departments have a web site or toll-free phone number to contact them for this information. There, you can obtain valuable information concerning your agent, broker or company, including whether they are licensed to sell you life insurance, their licensing history and if they have had any violations for making improper sales or other misconduct.

If you bought a life insurance policy for your minor child or grandchild, make sure you have the peace of mind that you did not overpay for the child's life insurance by using the form below to contact our law firm for a free evaluation of your policy.

Your Name:

Your Daytime Phone Number:

Your Evening Phone Number:

Your E-Mail:

What year did you purchase the policy?

What company is the policy through?

What state do you live in?

Do you have any questions or comments? (not required)