What should an insurance agent do after a policy is issued?

Issue is treated as the finish line. It is closer to the starting line — and the first ninety days are where the durability of the policy and the relationship is decided.

Days 1–7: deliver properly

• Walk the client through the policy as issued, including any rating or exclusion
• Confirm the coverage amount, premium, mode, and payment method
• Confirm the effective date and the first draft date
• Explain the free-look period in plain language
• Leave them with one page: carrier, policy number, coverage, your direct line

Days 7–30: make the policy findable

A policy nobody can locate is functionally uninsured. Help the household put the document somewhere the family can actually reach — not a safe deposit box only the deceased can open, and not an email inbox nobody else has the password to.

Days 30–45: verify the beneficiary against the carrier

Pull the carrier's record and confirm it matches what the client intended, including the contingent. Errors caught at 45 days are a phone call; errors caught at claim time are a legal proceeding.

Days 45–60: introduce the household

With permission, make sure the person who would file a claim knows the policy exists and knows how to reach you. Add them to the record as a second contact.

Days 60–90: confirm the payment is clean

Verify the first two drafts cleared and that the payment method is not close to expiring. A meaningful share of early lapses are payment mechanics, not affordability.

Set the review before you hang up

Put the twelve-month review on the calendar during the delivery call, while the client is engaged. A review scheduled a year out gets kept far more often than one you try to schedule cold.

The ninety-day test

At day ninety, the household should be able to answer three questions without you: what do we own, who is named on it, and who do we call. If the answer to all three is yes, you have done the post-issue work correctly.