Trust and Scam Safety
Questions to Ask Your Insurance Agent
Nine questions worth asking any insurance agent, sorted by how often people forget to ask and how much the answer matters.
The sheet in words
Up is matters most (big effect on your policy); down is matters less (still worth asking). Left is often asked (people remember); right is often forgotten (people skip it).
What Is the Premium?
Everyone asks. Ask the rest too.
Is Anything Locked In?
Which parts, and for how long?
Riders and Costs
What each extra adds to the price
How Many Companies?
One company or many to compare
Illustration With Fixed Values
Ask to see it using only the values the contract fixes
Licensed in Hawaii?
Check cca.hawaii.gov/ins
How Are You Paid?
Commission, fee or both?
Surrender Charge?
What does leaving early cost?
If I Miss a Payment?
Grace period, lapse, restart
A good agent welcomes every question on this page.
Sources
General education only, not a recommendation. Placements are general judgment, not survey data. You can check an agent's license through the Hawaii Insurance Division at cca.hawaii.gov/ins. Terms, riders, charges and guarantees vary by company, product and state, so ask for everything in writing. Sony Ho, Licensed Life Insurance Agent, NPN 18171750 · wealthprohi.com/check
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