1. Beware if it sounds too good to be true. It probably is NOT true.
2. Never sign a form that leaves blank spaces—even if the agent or broker assures you it is merely a formality.
3. If someone offers you a chance to turn in a small policy for a larger one without paying substantially more, WATCH OUT!
4. Don’t drop your old policy until your new policy takes effect.
5. Save every piece of paper explaining your coverage and your policy. Keep them on file with your policy. (If the agent used a laptop computer, insist on a hard copy version of what he or she showed you.)
6. Never buy coverage you don’t understand. It is the responsibility of the agent, broker or company to explain your coverage in terms you can understand.
7. Don’t let someone pressure you. You do NOT face any deadlines.
8. Don’t buy life insurance portrayed as a “pension plan” or a “retirement fund.” Life insurance is NOT a pension plan.
9. Be careful of any life insurance plan that promises “vanishing premiums” or guarantees you a premium-free policy over a specific period.
10. Never ignore notices from the insurance company even though your agent tells you it’s a “mistake” and nothing to worry about.
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