Less than half of American consumers feels confident about making insurance decisions, revealed a 2010 study by the National Association of Insurance Commissioners, and only 2 out of 5 people could answer basic questions about coverage. For clients who need a crash course in making wise insurance decisions, an agent is the best possible resource — but it’s important to have an in-depth conversation about your needs early on in the planning process. Questions to ask include: Who am I buying from? How is my need determined? When can I expect returns? What if my health changes? Will the death benefit adjust for inflation?