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 If a smoker who has non-smoker rate life insurance dies of a smoking related illness, do they still pay?
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 If driving a can without isurance whats the risk?
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 Will homeowners insurance pay to remove a hazardous tree?
I have a tree near the house that should be removed before it crushes the house. Seems that it would be smart for insurance to cover this rather than pay for repairs later....


 If a person is paying $20,000 a year for life insurance, how much of a payout would they be getting?
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 I was in a car accident, it was the other party's fault, do I have to report it to my insurance company?
My car was rear-ended, the person who hit me accepted all responsibilty, they even signed a document stating that at the scene of the accident. They are insured. I'd rather not report it to my ...


 Will I lose my No claims Bonus?
My Insurance ran out in October and I havent got round to sorting it until now.
I had 4 years no claims bonus when it ran out, does this still stand with the new insurance company even though ...


 How to stay up for 72hrs ?
i made a bet with a few m8s to c if i could stay up for 72hrs.
what is the best way to keep me awake?...


 Can my husband's creditors come after me when he dies and i get his ins.money?
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 What do people do when they have no life insurance?
My uncle has cancer so they won't give him life insurance and he's slowly dying, sad to say and I know it's awful to think about this but he has no life insurance, he was in the army ...


 Can you really cash in life insurance?
I though that its somthing you can only get once you die? i plan on geting gerber life insurance for my ...


 You hate whole life?
just about 90% of people on yahoo answers continually bash whole life insurance and i cant understand why. yes it is considerably more expensive and it might not be right for everyone but have any of ...


 Which would make more sense to buy? Term or whole life insurance?
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 As a landlord am I responsible for contents insurance for my tennants, or should they take this out themselves
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 Can an insurance deny coverage because you have a pit bull?
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 When sperated, can the spouse whose employment is providing medical insurance remove his/her spouse?
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 My hamstar have prexisting condeetion and inshurins company not put him on my policy, any place in Europe..?
can marrie me and her?...


 Im a skank?
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 Please help me? i need your advise?
ok im going to buy life insurance and its my first time. is there anything important i need to look for.or any good advise. i have 3 ...


 !!!urgent!!!?
i have to go to the bathroom!!!!!!!!!!!!!!!!!!!!! bad!!!!!!!!!!!!! what do i do????...


 Can I legally take out more than one life insurance policy on myself?
I'm only 23. But I consider myself older, mentally. To prepare for my daughters security in the future, I'm considering taking out a few policies of life insurance on myself.. because I ...



bluestar
My insurance agent is not doing a good job, can I change?
He is not updating me on my policy details, only as and when he feel need to then do the annual review... I want to change my agent but also want to stop him from getting the commission from my policy... Is there a way??
                     
 




mbrcatz
If you want to stay with the same company, call the company or go to their website to find another agent in your area that represents them.

Agents get commissions once a year - usually about 45 days after the policy renews. So your old agent has already been paid for a full year; the new agent will probably not want to take over the policy until you renew again, but you'll need 60 days notice to switch over.


Susan C
What type of updating are you expecting on you policy details. The details are outlined very clearly in your policies. If he is doing an annual review, typically that is more than ample customer service. If you just don't like him/her then you can always deal with the home office customer service or request a new agent however that agent will make no money and if you are a demanding client that wishes a monthly or weekly review of the same information most agents will not jump at working that hard for you for free. Just being honest. Insurance is typically commission only and a very tough business to make a living. Most insurance agents are out of the business within 1 year. If they spend all their time servicing other peoples clients you don't earn a living and will be gone anyway. Please make sure you are being fair to this agent before complaining or switching to another agent.


ebuythismobile
Rating
better change the company


President, www.HSAInside.com
Rating
Agents are just people, and so you must remember like people they are not all the same. Here is a list I would make up prior to picking a new agent:
a. Hours and days of operation
1. Most agents are prolonging hours, my agency is open 7days a week, everyday till 10:30pm.
b. Big Agency Vs. Small Agency
1. Small Agency's can be more personalized, and you may deal with one person.
2.Big Agency's normally have departments, Sales Department, and once the sale is complete a customer service department.
3. Big or Small Agencies, check to see they operate in the USA or in your State, with the creation of the Internet more and more agencies & agents are setting up shop outside of the state or outside of the country.
Ex. In Ca. a large Health Insurance brokerage is owned by a Japanese co., they do have a call center in Ca. but the owner lives in Japan. And many agents are taking advantage of lower home prices in other states and are moving out of Ca. and forwarding phone lines to other states.
c. Interview your prospective agents
1. I would suggest making a list of your expectations, and interviewing several agents. Ex. I have sat on several agent advisory boards and I can tell you that every single agent operates differently.
2. If you are a hands on type person, meet them in person size them up. Many folks still like the home town local agent (that is me).

Finally, about changing agents call your insurance company - everything single one is different, some do some don't.


Janani A
you can not change your agent but you can write a letter to the insurence company about changing the agent.


Queen B
yes you can change agents with most companies. you have to fill out an "agent of record" request. most companies will allow this especially if you are unhappy with your agent. they would rather do that than loose your business. if you are that unhappy, try finding a new company.


SafetyDancer
Susan C has a good point.

If you are getting an annual review, regard your agent as "above average". Most don't even do that.

I would assume that you are talking about a property/casualty (PC) insurance agent. If so, a good agent is constantly busy helping their clients that have claims and have little time to proactively service their policyowners, aside from the annual review. If you have specific questions about "policy details", call the agency office. They typically have knowledgeable people that can answer your question. Some larger carriers have websites with "Q & A" or "FAQ" (frequently asked questions) pages that can help.


Tan D
In Singapore, you can change your agent, just make a request in writing. But the agent will still get the commission.


mei-lin
Call the customer service department of the insurance company (not agency). Tell them you would like a new agent on renewal. They can give you names in your area. You may have to do a new app for new agent, but you should get any discounts you are currently getting.


ML
Rating
Contact the company on the policy and inform them of your issues. They will contact the agent and inform him of the issues as well. If you truly want away from him. Inform them of that and you will be placed under the company itself and will have to call customer service with any issues and be without local agent.


Stacey
Rating
A lot of companies will not let you change agents within the company, since the one you have has already done all the work. I know allstate is that way, even when I moved 200 miles away (still in the same state). Go figure, but you can change your insurance company at any time. But ask the company if you can change the agent, and if not start shopping for a new company. Good Luck.


Doing the Right Thing
Rating
You can change companies. That's all you can do.


simplegal
you need to view the details of the policy rules before you do anything. Maybe you can talk to your insurance agent's manager or some one from a higher position. if not you can try your luck at CASE.


floozy_niki
Nope, there is absolutely no way. He has already gotten his commission. Anyway, why would you need him to update you on policy details?


Tunka
In general you can change agents anytime but you may want to change companies also, it is the duty of that agent to keep you informed on policy changes but most important your insurance company also has to notify you of any policy changes in writing.State laws in general require this. If this is your auto insurance you're talking about you may want to change to a direct company, bypass the agent and deal direct with the company. This will give you the option of dealing all transactions over the phone or even better yet online. Every State has a website for the Insurance commision or regulatory body that handles insurance matters including complaints, look it up for your state....Good Luck


mattool2002
Rating
no u have to stay with them till u die, its' the law


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