HELPFUL BUYING TIPS

Here are a few tips to keep in mind about your life insurance purchase:

• Take your time -- On the other hand, be sure you don't put off an important decision that would protect your family. Make sure you fully understand any policy you are considering and that you are comfortable with the company, agent and product. Don't rush into a decision just because you are feeling pressured. When you purchase a policy, make your check payable to the insurance company, not to the agent. Be sure you are given a receipt.
• Free Look Option -- After you have purchased an insurance policy, keep in mind that you may have a "free-look" period usually 10 days after you receive the policy during which you can change your mind. During that period, read your policy carefully. If you decide not to keep the policy, the company will cancel the policy and give you an appropriate refund. Ask your agent.
• Review -- Take a good look at the copy of your application contained in your policy. Promptly notify your agent or company of any errors or missing information. If an agent or company contacts you and wants you to cancel your current policy to buy a new one, contact your original agent or company before making any decisions. Surrendering your policy to buy another could be very costly to you.
• Any Complaint -- If you have a complaint about your insurance agent or company, contact the customer service division of your insurance company.