Insurance companies are graded on their financial stability by four independent agencies, including Moody’s Investor Services and Standard & Poor. These companies also assess whether an insurance company is vulnerable or secure. You can locate these ratings companies online and search for the ratings of individual insurance companies. Every state has a division of insurance that is meant to protect the rights of consumers and regulate the insurance marketplace. Some states require that insurance companies be licensed for their state, which provides insured some protections if the insurance company collapses. When choosing an insurance company, contact your state division of insurance and ask whether the insurance company had any complaints filed against it. You may feel more comfortable purchasing an insurance policy through a sales agent who works for an insurance company or an insurance broker who helps you assess your insurance needs and choose an insurance policy. When choosing an insurance broker, consider:  asking family and friends for referrals check that the broker is lessened in your state check the broker’s credentials ask the broker for references check with your state division of insurance to see whether any complaints have been lodged against the broker

How would you rephrase that briefly using Indonesian?
Pilihlah perusahaan asuransi jiwa yang memiliki kekuatan finansial mapan. Periksalah keluhan terhadap perusahaan asuransi di OJK. Pilihlah broker asuransi yang tepercaya.