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  • What’s the best way to find a life insurance adviser?
  • July 26, 2013
  • Tony Steuer

    By Tony Steuer, CLU, LA

    Any person selling life insurance and/or annuities must be licensed with their state’s Department of Insurance, which can vary greatly from state-to-state.

    Contact information for each state’s insurance department can be found here.

    With insurance departments, the resources and compliance can sometimes be more relaxed in some states than others.

    An insurance department’s website can be a valuable source of information. On most websites, you can research whether or not an insurance representative is licensed or not. Information like this is extremely important because a representative must be licensed in the state where the insurer works for lives.

    Also, you may be able to research their education history.

    Make sure your life insurance adviser in licensed with the state’s Department of Insurance before conducting business with them.

    As with any field, a practitioner who is up to date on the latest technique will most likely be more proficient than others.

    Variable life insurance is a type of permanent life insurance, which allows you to allocate a portion of your premium dollars into a separate account within the insurance company’s portfolio such as stocks, bonds, equity funds and money market funds.

    The Financial Industry Regulatory Authority (FINRA), whom is generally tougher with the representatives that they oversee, also regulates these types of policies.

    On the FINRA website, you can research whether or not an insurance representative is licensed or not.

    With variable life insurance policies, representatives must be licensed with both the FINRA and the state insurance department since these policies tend to be more complex.

    The FINRA also maintains the qualification, employment and disclosure histories of more than half a million registered security employees of member firms.

    For an overview of all the current services that the FRNA provides to investors, click here. The list of services is quite lengthy.

About Tony Steuer

Noted insurance author Tony Steuer has spent over 25 years in the life insurance industry. Steuer’s leadership roles include serving on the California Department of Insurance Curriculum board and the National Financial Educator's Council Curriculum Advisory Panel as well as having served as President of the San Francisco Chapter of the American Society of CLU & ChFC, President of the leading Life Insurance Producers of Northern California, and as a board member of the San Francisco Life Underwriters Association. Mr. Steuer is the author of Questions and Answers on Life Insurance: The Life Insurance Toolbook, The Questions and Answers on Life Insurance Workbook and The Questions and Answers on Disability Insurance Workbook - the first two were awarded the “Excellence in Financial Literacy (EIFLE) Award from the Institute of Financial Literacy. Steuer holds a Chartered Life Underwriter (CLU) designation and also holds the Life and Disability Insurance Analyst License, a designation that is held by less than thirty people in California.

Creative Commons License
Questions & Answers on Life Insurance by Tony Steuer, CLU, LA, CPFFE is licensed under a Creative Commons Attribution 3.0 Unported License.

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