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The Insurance Agent really has no authority to make that decesion. They can guide and suggest for you. The decesion is made by the company underwriters. If you want more than is suggested - it would be advisable to provide justification for the higher amount with your application. for more info see

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โˆ™ 2015-07-15 18:42:48
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Q: Does an insurance agent decide what the maximum amount of insurance is you can apply for or can you choose which amounts they have for policies?
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