Write your brief first
List the people, activities, property and locations you want to discuss. Include contracts that require insurance and the details of any current policy. This gives each provider the same starting point.
Compare like with like
Put the named insured, activities, limits, deductibles, exclusions, territory and effective dates side by side. Check whether a lower price comes with different protection or conditions.
Ask about the practical experience
Find out how to contact the provider, report a change, obtain evidence of insurance and report a claim. Ask who will actually issue the policy and service it.
Confirm before replacing a policy
Ask how the transition affects any reporting deadlines, waiting periods, prior acts or continuity of cover. Do not assume a new policy automatically replaces every aspect of the old one.
In Canada, ask about the rules and provider availability in your province or territory. Financial Consumer Agency of Canada · Life insurance ↗
In the United States, use a provider authorised for your state. Eligibility and policy terms can differ from Canadian examples. NAIC · U.S. consumer insurance resources ↗