Insurance agents are usually affiliated with one or several companies who offer different types of insurance products. To be frank, there is no total insurance that can cover all the necessary holes life can offer so be choosy and inquisitive enough to ensure you get the best product for your money by asking. They usually represent several companies for to make a living in life insurance (which is usually more of a commission basis career) they have to sell as many policies as possible to get the best out of their trouble. The can offer you one product which if it does not meet your needs then try to get another from a different provider which is the next highest commission payer. Before signing, be sure that the said agent would be able to provide you support if you might need assistance with your policy and not disappear out of the face of the earth once all commissions have been paid. Agents who are solid in their affiliation will usually assist you in times of trouble and even go as far as assisting in the claims processing area with the said insurance provider to assure the product they sell are maintained and kept to their account.