Simply stated, by doing your homework. You must be certain to research the credential of any potential agent or insurance company. It is important to remember that most agents are reputable professionals trained in their areas of expertise. Insurance agents must take and pass certain tests to become licensed. Besides the license exams, to maintain an agent license, most states required that all agents complete continuing education courses to maintain their license. These courses can lead to professional insurance designations such as the following:

• LUTCF Life Underwriting Training Council Fellow
• CEP Certified Financial Planner
• CEBS Certified Employee Benefits Specialist
• CIC Certified Insurance Counselors
• CLU Chartered Life Underwriter
• RHU Registered Health Underwriter
• ChFC Chartered Financial Consultant