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Test them. Study the information and ask specific questions about the products. If he/she is ethical, there will be something that they do not know. If they are honest, they will explain that they will research it and get back to you. If they try to bluff, keep looking. Also, you can ask for references. Contrary to belief, there are very ethical insurance professional out there. You can also do reference check with the local National Association of Insurance and Financial Advisor.

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Q: When you dealing with an insurance agent how can you protect your interest and rights as insurance buyer?
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