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[Music] are you looking to buy your first life insurance policy before you sign on the proposal forms i would like to give you the top questions you should absolutely ask your insurance agent im sharing this so you can be an informed consumer and evaluate your servicing agent better it means you will get a trustworthy and competent agent you are going to buy an insurance policy that meets your needs if done right you will save on insurance premium which is a very long term commitment but if you are an insurance agent watching this please dont feel intimidated dont get me wrong it is because if your prospective client is asking these questions you get a chance to prove yourself when you can handle them well you will win a lifetime customer who will not easily terminate the policy which affects your persistency ratio reducing your commissions and bonuses a little disclosure i was an active insurance salesperson from 2003 to 2010 a semi-retired from the industry in 2010 to focus on my