David Didier, Life Insurance Broker
David Didier
Senior Benefit Advisors
Life Insurance Broker Licensed in LA
Contact Details
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Location
Baton Rouge, LA
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Website
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LinkedIn
About Me
Hey there, my name is David, and I am here to make life insurance simple. Choosing coverage can feel overwhelming, but I do the heavy lifting by comparing trusted providers on your behalf. Together, we'll find the protection your loved ones deserve — at no cost to you.
Q&A with David Didier
What is the most common mistake people make when buying life insurance?
Answer: Hello,
Most people when purchasing Life Insurance for the 1st time,
Sometimes get too little coverage for their needs, or wait on getting the coverage or just don't get it because of employee coverage. (Many times, group coverage does not follow you when you retire).
Also, they sometimes think their group Insurance coverage will be there for them (many times it's not there when they need it most.)
On another note: Choosing the right kind of policy is crucial. (Whether a term plan-temp coverage, or a permanent plan, Whole Life or Universal Life or indexed Universal Life.
Understanding the differences of plans is very important (for your budget and future needs)
I hope this helps alitte.
Thx!
What questions should a first-time life insurance buyer ask their agent?
Answer: Hello,
Here's a few questions to help you with your Life Insurance agent.
1. How long have you been in the life insurance business?
Are you an independent agent or work for a captive agency?
How many insurance companies do you represent?
2. What factors do you consider (income, debts, dependents, future goals)?
What would this policy protect me from?
3. What type of life insurance do you recommend for my situation — term or permanent?
What are the premiums, and how do they work?
Do I need a medical exam or para medical?
4. Ask about the company and it's AMBest rating ( A+, A Excellent , A-, or A )
How do you choose which company to work with?
5. About policy details and changes
How long is my premium good for?
How can I change beneficiaries or make changes on my policy?
Are there any risks or exclusions with this policy? l
6. How do you handle claims and customer service?
Can I speak directly with someone about my policy, customer service
I hope this helps!
Thx!