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How Life Insurance Agents Can Ruin Your Life Insurance Coverage

How Life Insurance Agents Can Ruin Your Life Insurance Coverage

Looking for a quote for life insurance or burial insurance? Click here and send me a message with details of what you’re wanting to accomplish. If you’d prefer to talk live, call 888-626-0439 to speak with me directly.

 Today’s Topic Is How Agents You Meet In The Field Can Adversely Affect You In Ways That Can Limit Your Ability To Get Good Coverage

NOTE: Would you prefer me to present this information to you in video format? Watch the video below for the complete presentation. Enjoy!

This is based off of personal experience selling in the field and seeing what unethical agents before me have done.

These are the things I recommend everybody to look out for when you’re getting an insurance policy of any kind. Having good information will prevent agents from cutting corners which ultimately affects you and not the agent.

Top 5 strategies to securing the best-priced and best-value

Here’s An Overview Of Today’s Topics:


The most common thing I see agents do is they will put smokers down at a nonsmoking rate. Why? Life insurance agents like myself make a commission. Sometimes the fear of not making a sale can make some agents cut corners in unethical ways.


Smokers beware! If an agent lists you as a nonsmoker, your loved ones may not get any death benefits.

Why is this a problem? If you smoke and you’re given a nonsmoker rate, there are likely doctors’ records that show that you smoke.

When you pass away and these records come to light, you may not get the full coverage. In some circumstances, you get only what you would have qualified for as a smoker at the time. But I have heard of cases where policies have been voided and you get no coverage.

Be very mindful of this. You want to stay away from this. Always make sure your insurance has you listed as a smoker if you smoke.

The only exception to that is if you smoke cigars or chew tobacco. Sometimes you can get nonsmoker rates in those circumstances. That’s a good thing to double check.

2-Year Waiting Period

The next thing you need to make sure of is what kind of coverage you really have. This is one main reason why I always ask everybody I talk to to do a policy review. A policy review can show you where you thought you had one thing and it turns out you have something totally different that you don’t want.

The biggest thing I see is where agents promise full coverage, but the client actually has limited or no coverage whatsoever. How could this be? If you bought a policy and you’re paying on it, you have to have something. Well, that’s true, but it doesn’t mean you’re fully covered.

Think about life insurance sooner rather than later

There are plenty of circumstances where the policy has a 2-year waiting period for coverage. In fact, a lot of the main line companies you see on television and in the mail actually have a 2-year waiting period for natural causes, such as Colonial Penn and Mutual of Omaha, but people think they are fully covered.

Colonial Penn's Guaranteed Acceptance Coverage

You have to be very careful to stay away from this. Make sure you’re getting a plan that fully covers you by working through an agent like myself that will shop the best plans to get you the best value, hopefully first-day full coverage or at least first-day partial coverage.

Whole Life Insurance

You want to make sure that what you were sold is a whole life plan. Why do I say whole life? Because life insurance is not just one particular thing. It can be permanent coverage that never cancels. It can be coverage that only lasts for a period of time, or it can have coverage that doesn’t have rate guarantees.


With a true whole life policy, you can be assured your loved ones will not get stuck with your burial expenses.

Now, I’m not going to answer why one would use those, but ultimately, what most of us will agree with is that the purpose of life insurance is to cover us, not if, but when we die.

Why would we get a plan that cancels if we outlive it and pay all this money for nothing. Kind of a waste, isn’t it?

Why would we get a plan that may go up in price as we get older and on a fixed income. Imagine paying for years and years on end only to lose your plan because your agent didn’t tell you the truth about the long-term implications of taking that plan. It sounds bad, but it happens daily.

I recommend a whole life plan for anybody that’s looking for a guaranteed way to have enough to cover for a burial.

Whole life means your rates never go up and your coverage never cancels because of age or health. So make sure what you bought is whole life insurance. It should say right on the front of the application.

If it says term insurance, flexible premiums, or anything like universal life, you definitely need to call me. In fact, if you bought it through the mail, off the internet, or even off the television, you’re often running into the situation where you may not have what you really need.

Rates For $10,000 In Burial Insurance

Rates For $25,000 In Burial Insurance

$150,000 Whole Life Insurance, Life Pay

$250,000 Whole Life Insurance, Life Pay


Owner of David Duford with his son

My goofball son and I thank you for reading, and hope you’ve gained truly valuable information on your search for life or burial insurance. If you’re ready to discover your options for life or burial insurance, call me at 888-626-0439 now for your free life insurance quote!

I Can Help

To sum up, if any of the above concerns you or you feel like that might fit your situation or maybe the agent you dealt with kind of seemed like a slimeball, I want you to check my website out at

Then either call me at the number on there or submit your information on the Contact page. I’ll be happy to ask you a few questions and you can describe your situation so I can tell you whether or not I can help you.

If I can, great. I’m happy to give you a quote and work with you on your insurance. If I can’t help you, I’ll let you know that too.


We work with individuals across the nation to secure the best life insurance rates.

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