A sales call runs on the speaker's wording, and a contract runs on its own text. The two do not always match. Before you agree to a meeting, ask the seller for the blank contract, the full exclusions page, and the written claims procedure. This guide explains how to use those documents to judge an offer.
Request the form first
Ask the seller to send the sample contract in writing before you commit to a meeting. Check that the form title matches the name on the state roster entry, if the state publishes one. Ask who issues the form and whose name appears as the party that must pay a valid claim. If the seller will not provide the form before the purchase, write that down as part of your comparison.
Put every offer in the same order
Build one list with the same rows for every offer: term length, coverage level, claim limits, cancellation method, transfer rule, renewal method, and who answers the claim phone. Ask the same questions of each seller. Do not compare a seller's summary against another seller's full form, because the two rarely hold the same detail.
Check spoken claims against the paper
If a salesperson describes something that does not appear in the form, ask for the page that says it. Keep your notes with the date you received each document. A claim that cannot be pointed to on paper is a claim you have not yet been given.
Confirm the roster and the state page
Some states publish a roster of contract providers and print it with an as-of date. Check the roster entry against the form title. The Georgia rule and roster page shows how this edition has presented one state's record. Where a state does not publish a roster, or this edition has not read it, the page says so.