Personalized Consultations. Consultants are the first point of contact for customers looking to purchase life insurance. A consultant is the customer’s representative and will request key information on the following areas:This information is essential for the insurer to determine premium amounts, level of coverage, and customer insurability. Therefore, information provided must be accurate and reliable, as it will generate ideas regarding product features for consideration by the customer. In addition, based on this information, the agent will advice customers on financial goals and types of policies best suited to meet individual needs.