North Carolina Life Agent Practice Exam 2025 – 400 Free Practice Questions to Pass the Exam

An individual might consult a life insurance agent regularly to discuss changes in personal circumstances that may affect coverage because life is dynamic, and factors such as marriage, childbirth, career changes, or health changes can significantly influence an individual’s insurance needs. Regular consultations ensure that the policyholder's coverage remains adequate and aligns with their current situation. An agent can provide personalized advice for adjusting coverage, whether it's increasing or decreasing the death benefit, adding riders for additional protection, or suggesting new products that fit better into the policyholder's evolving life.

While paying annual policy premiums is a necessary task, it doesn’t typically require regular consultations with an agent. Filing claims for benefits occurs primarily at specific times when an event triggers a claim rather than as an ongoing discussion. Managing the insurer's legal obligations is the responsibility of the insurance company and not something that a policyholder would need to consult their agent about frequently.