A Life Insurance Agent should sell policies to people who are financially stable, have a regular income, are healthy and have clear insurance needs. It is the Agent's responsibility to choose the right policy based on the client's age, health and financial objective. In addition, the agent must ensure that the client's insurance needs are in line with his budget and long-term goals.

While selling an Insurance Policy, an Insurance Agent should check the following documents:

• Identity Proof (Aadhaar Card, PAN Card, Passport, etc).
• Address Proof (Electricity Bill, Ration Card, Bank Statement, etc).
• Income Proof (Salary Slip, ITR, Bank Statement).
• Birth Certificate (School Certificate, Aadhaar Card, PAN Card, Passport, etc)
• Health Certificate (Especially for High-Risk Policies).
• Photograph and Signature (to verify the customer's identity).

These documents ensure that the customer is eligible to take the policy and there will be no problem in the claim process later. Checking the right documents fulfils the agent's responsibility and also builds trust with the customers.

Life Insurance Agents should avoid selling Life Insurance Policies to people who give False Information, are in High-Risk Occupations, show instability in Premium Payment, want to buy policies with bad intentions and hide health records.

To identify and avoid such people, Life Insurance Agents should thoroughly check their documents and collect information about the prospective customer from his neighbors and friends before selling each policy.

By doing this, you not only keep your agency safe but you also save yourself from the hassles in the Claim Process.

Before selling a Life Insurance Policy, the agent must obtain information about the habits and health of the customer. For this purpose, he can obtain information from people living in the residence and workplace of the potential customer. Insuring a sick person or a person trapped in such bad habits that can create a danger to his life can be dangerous for your agency.

It is the big responsibility of a Life Insurance Agent to sell life insurance policies to healthy people only. In such a situation, there are many such diseases which can be guessed by looking at the patient. But at the same time, there are many such serious diseases for which the patient is undergoing treatment for a long time, but by looking at him it cannot be guessed that he is ill.

In such a situation, by resorting to a small lie, you can find out whether a person is ill or not. For this, while filling the proposal form of the insurance policy, you can ask the customer, "Are you currently undergoing treatment for any serious disease or have you undergone any such treatment in the past years? If so, then you can get some special benefits from the Insurance Company.