A good insurance agent or broker will be friendly and charismatic, but with a definite persistence to stick to the plan of his/her client. To say yes to each request of his/her client is part of the job, although having to say ‘no’ sometimes is also part of it. To do this successfully without having to say ‘no’ too often is an art not that easy learnt. This art can be improved over time as a result of regular practice, but for now it is best if you get your insurance broker/agent from a family or friend who is already a member of an insurance business and whose skills are known by the insurance industry.Insurance brokers or agents, as they are sometimes called, need to be able to give a quick response. You cannot expect a broker to provide advice on your life insurance policy or an insurance policy on which you have no desire to purchase if the broker does not know the insurance policy inside out. A broker should also be able to answer any questions and clarify car insurance agents matters related to your insurance needs without any effort at all on your part. For example, if you are planning to buy a house and you want the insurance agent to find the house insurance for you before he/she even starts looking, that is not a very good idea. The best way is for the insurance agent to search on your behalf. On the other hand, if you have found the house insurance, then the insurance broker can find the home insurance, which is often a more lucrative area of expertise for him/her.Insurance brokers also need to be trustworthy, in order for you to get the maximum benefit out of the deal that you have signed up for. For example, some policies involve extra fees when premiums are renewed. If the insurance company does not offer such renewal benefits, the broker might try to get these benefits. You should never trust your life and health cover to just anyone, especially one who does not have a track record.