An agent is either captive, selling one company's policies, or independent, selling several. Neither is wrong, but you should know which you're talking to. Ask what they specialise in: life, home and auto, health, or commercial. Ask how claims are handled and who you'd call. For life insurance tied to an estate plan, ask whether they've worked alongside an estate attorney before, because the policy has to fit the plan. Check the licence status on the profile, then message two or three agents and compare what they recommend and why.
