My Mother in Law passed away in February. She was a wonderful woman in many ways, one of which was she was a great saver. She had money squirrelled away in annuities and several different life policies. The problem was she used different agents and companies for each thing she did. She also went with an agent because she trusted them. Well as Ronald Reagan said, "Trust but verify".
I have spent untold hours tracking down policies because either these folks and/or their companies are no longer around. In one case on of these trusted individuals took such advantage of her I refuse to meet him face to face as I am worried what I might say to the guy!
I said all that to say this: Your insurance program is one of the most important things in your family's life. Don't entrust it to just anybody. Work with a local person who works with reputable companies. I truly believe an independent agent is your best source for insurance because they can work for you, not the company. Check out the company you are working with on http://ambest.com/ for their rating. Check out the company website and make sure there are more agents in the area in case your agent is no longer there when you need the coverage.
Of course, if you are in North Carolina, we would be happy to see if we can be of help. Give us a call (252 756 5200) or go to our website www.clinehallagency.com .