These 4 Traits Could Impact Your Term Life Insurance

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Tim is a licensed life insurance agent with 23 years of experience helping people protect their families and businesses with term life insurance. He writes and creates stuff for QuickQuote and other insurance and financial websites...

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UPDATED: Jun 25, 2020

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Janet recently got married, turned 30 and had a new baby. She quickly realized she needed term life insurance to protect her new family. She applied online for what she thought was a good policy for her and accepted the policy without giving it much thought. Janet avoided phone calls and e-mails from the agent that helped her, as she didn’t feel comfortable talking about financial stuff. She wasn’t interested in reviewing the new policy with the agent as she was just happy to be done with it.

Many people like Janet end up with policies that work just fine for them. However, if she could have been a little more open and developed a relationship with the agent, she would have gained a better understanding of her policy and the peace of mind and confidence that comes along with it.

Can your personality impact the experience you have when purchasing a term life insurance policy? It sure it can; for better or for worse. Below are some common personality traits and how they may help or hinder your term life insurance purchasing experience.


Janet’s story is a classic example of a shy consumer. She didn’t get involved, and she avoided talking to her insurance agent. Sometimes shyness stems from embarrassment over a lack of knowledge of the subject matter, which is entirely understandable. Nobody expects you to be a life insurance expert, that’s why we are here! What you think may be the silliest question has probably been asked of us hundreds of times. The only silly question is the one that is not asked. We want you to understand your term life insurance policy, so please ask questions! If you don’t like talking on the phone or just don’t have time, make e-mail your best friend.


A demanding personality is not always a bad thing. People with this personality trait often end up getting what they want. However, when demanding people apply for term life insurance with unrealistic expectations, problems can arise. In many cases, the person will get upset and end up on a wild goose chase for an unobtainable policy. As time goes on and the policy is never found, the person may get frustrated and not secure any coverage for their loved ones.

A better option would be to get a policy in force as a backup, and then go on the wild goose chase for a better policy. It’s easy to cancel or lapse a term life insurance policy, so there is no reason to put the family’s needs at risk while searching for a better policy. Demanding folks are not shy and should have no problem discussing all options with an insurance agent.


Indifference could stem from a general lack of interest, carelessness or a simple desire to avoid rocking the boat. This personality trait could lead to a person purchasing a policy that is not the best fit. Many consumers don’t follow up on an agent’s recommendation to try a company that’s a better fit and end up paying more in the end or simply forgoing the policy altogether. If you have issues such as family history, medical history, dangerous hobbies or foreign travel, your agent will be able to find the company that offers the best rating class and lowest premium to you. Ask your agent for help rather than applying with a random company.


Do you regularly show up late for work, miss appointments or forget meet-ups with friends? Perhaps you are just so preoccupied with life that you simply forget things or can’t handle everything that’s on your plate. We all have days like this. But if your days turn into weeks and eventually months, you may be a little – how do we say it – flaky? This personality trait can be costly in many ways, including your term life insurance policy. Scheduling regular reminders on your calendar or Smartphone to follow up with your agent can help keep your application on track. You can also ask your agent to follow up with you every few days. Schedule a reward for yourself and your family when the policy is in force, such as dinner and a movie.

Don’t let your personality traits stand in the way of securing a term life insurance policy. Work with your agent and make him or her aware of how to best help you. And just so you don’t feel like we’re pointing the finger at you, our office employees openly admit to the following personality quirks:

  • File cabinet OCD
  • Cubicle grazer
  • Coffee machine abuser
  • On-hold phone music karaoke singer

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