Generally speaking, checking all important aspects before availing of an insurance offer is always for your own benefit. Beside, it is always good if you would really take the time to check the services that you will get before paying for it. Although there are some companies that would try to lure you by promising excellent coverage for minimal fees, you have to have your reservations about it, especially if it's not an established company yet.
In the past, there have been some reports about some beneficaries who have filed complaints because they did not receive any proceeds after the death of a loved one. While none of us are definitely looking forward to such events, we should be prepared when it comes and we should make sure that our dependents will really be able to receive the right amount as we expect the insurance company will give them.
Asking questions to the representatives would be for your good. This is because you would be able to properly evaluate their services and you will know both the advantages and disadvantages that follow with that specific option.
Other than that, you could also go to the website of the Better Business Bureau so you would be able to check in an instant about which insurance companies are receiving a lot of complaints from their clients. Actually, through visiting this site, you will be able to know for yourself whether a certain company has ever been involved in any scams in the past.