5 Questions to Ask Your Insurance Representative
The questions most people never think to ask — and why the answers will tell you everything you need to know.
Most people walk into an insurance conversation without knowing what to ask. They leave with a policy they don't fully understand and a premium they're not sure makes sense. These five questions change that. They're not tricks or gotchas — they're the questions a knowledgeable friend would ask on your behalf.
"What specifically happens to my family if I die tomorrow — and what does that money need to cover?"
This forces the conversation to become concrete. Not "how much coverage do you want?" but "what is your family's actual financial exposure?" A good advisor walks through your mortgage balance, your income replacement needs, your children's education costs, and any outstanding debts — and arrives at a number with a rationale, not a guess.
"Am I buying this at the best rate I'll ever qualify for — and what could change that?"
Life insurance is medically underwritten. The rate you qualify for today is tied to your health today. A diagnosis, a prescription, a surgery — even a change in weight or blood pressure — can move you into a higher rate class or make you uninsurable entirely. Most people don't know this until it's too late to act on it.
"How does this coverage interact with my tax situation, my retirement accounts, and my other assets?"
Insurance doesn't exist in a vacuum. A permanent life policy with cash value, for example, can be a tax-advantaged savings vehicle — but only if it's sized and structured correctly relative to your income and retirement contributions. An advisor who only sells insurance without understanding your complete financial picture is giving you a partial answer.
"What does my income look like if I can't work for six months — and is there a plan for that?"
Most people think of insurance as something that pays out when someone dies. But statistically, you're far more likely to experience a disabling illness or injury during your working years than to die during that same period. Disability insurance is the coverage most households skip — and the one that tends to matter most during working years.
"How will this plan change as my life changes — and who reviews it with me?"
A plan that fits your life at 32 may not fit at 42. Marriage, children, a business, a divorce, a parent who needs care — life moves. The best insurance and financial relationships aren't transactional. They're ongoing. Ask your advisor specifically how often they review, what triggers a review, and whether you'll hear from them without having to initiate it.
Bring These Questions to Your First Conversation
Your consultation with Sasson is free, no obligation, and built around your specific situation — not a script.
Before Your Call — Quick Checklist
- Know your current household income and approximate monthly expenses
- Have a rough sense of your outstanding debts (mortgage, student loans, car)
- Know the names and ages of any dependents
- Know your current employer benefits (group life, short-term disability coverage amounts)
- Think about your biggest financial concern — one sentence is enough
Questions first. No pressure, no obligation. Sasson responds within 72 hours — usually sooner.