Things to Consider When Purchasing an Insurance Policy

- Review your insurance needs and circumstances.

- Comparison shop. Contact several companies and/or agents to compare benefits, coverage, exclusions, and premiums.
Be sure the insurance company you are considering is financially stable. To check on the stability of a company, visit our Insurer Ratings Directory.

- Do not make any quick decisions. Request a copy of the policy and compare it with policies from different insurance companies.

- Do not be fooled into thinking you need several policies for additional coverage. You only need one good policy.

- Be sure your application is complete and accurate, including all of your medical history, if applicable.

- Write a check, payable to the insurance company. Do not pay in cash.
Your policy should arrive within 60 days. If you do not receive it, contact the company or agent.

- After you receive your policy, reread it to be sure everything is correct. Your agent or company should explain any terms that are not clear.