Tips for Choosing Insurance (General)

Tips for Choosing Insurance (General)Buying insurance can be said to be tricky, because there are many considerations that must be considered. Especially with the high competition between the insurance company it is today. But there are several important factors you should know before you buy insurance. Well, what are tips on choosing insurance? Here's his review.

Tips for Selecting Insurance Products:
1. Understand yourself.
As the holder or purchaser of insurance, we must know the true and clear our needs. Insurance products are so numerous and varied. Selection of the appropriate needs must be a priority.
In the early stages, health insurance is needed parties began collecting insurance investment. Health insurance cover the cost of treatment, including if need hospitalization. Furthermore, life insurance bear the risk for future uncertainties.
This insurance guarantees a number of funds for the families left behind when the policy holder dies. That is, we remove the risks faced by families in the future to the insurance company.
If the insurance has owned, then we require insurance on goods owned. For example, the home is free of fire insurance, car insurance for loss or accident can be made also include third parties.
If you already have it, a new thought very specific insurance and offered to the public. For example, insurance or a job title frofessional insurance indemnity. This insurance is needed doctors, stock brokers, and MI.

2. Search for the desired insurance and the insurance company offers.
Many insurance companies offer products and very varied between one company and another. For this product, insurance buyers have to look at the products offered. If necessary, the buyer can consult with friends or insurance expert.
When looking at the product, the buyer should understand the legal language of the brochure products offered. Premiums the same product can be different for each insurance.

3. Taking into account the ability for any insurance be purchased.
If buyers want only insurance, the premium is a cost, not an investment. The following year the buyer must pay a premium over and likely there will be a premium increase due to inflation or the cost of insurance companies.
Do not force yourself if it is unable to such insurance. Better delay and melaksanaka next year. When buyers push yourself, another post to be sacrificed in order to buy an insurance product.

4. Matching of insurance products with the ability of funds.
This is a decision-making process for the selection of insurance products that will be purchased. If desired insurance products there are some, and offered not only by a single company, it is a very good information for buyers because there is a choice.

5. Discuss stuffing insurance products from insurance companies that have been selected according to the ability of funds.
This discussion is very important because the brochure given to read is often overlooked, and we are less conscientious. All brochures and information from realtors should be discussed with those who understand the law, so that the more secure option.
Because mambutuhkan costs, buyers can ask your friends or "friends of friends" who understand it. Cost of lunch so-so small as to increase the area covered our knowledge.

6. Choosing an insurance company is equally important.
Insurance Buyers should be clearly and carefully so that no one chose. Insurance buyers should know the company's track record. The ownership status of the company sometimes also be a factor the election, but not the main factor.
There are insurance companies are still small, but its track record is very trustworthy. Insurance Buyers can ask the customer or insurance buyer of the company. In fact, it could ask the parties who have been paid the insurance agreement.
Large companies also often do impropriety. Often we hear that the insurance companies are very diligent when collecting premiums, but it is very difficult when the disbursement of insurance claims. Delays in the disbursement of claims generally because the company is still doing of Inquiry for an event that causes the claim.
Foreign or local ownership is often an option. Foreign owners typically more experienced than the local. However, buyers can judge for yourself about these characteristics. Good management will always pay attention to its customers. Usually, insurance companies have a meeting with customers to meet so that their products are purchased.

7. Signing the insurance agreement.
This stage should be considered carefully whether the contents of the agreement and the offer according to our wishes. Buyers do not be tempted by the phrase that all is as you see fit. If the answer is that the raw material of the company, the buyer must be careful and have delayed to suit the wishes of the buyer. What is written in the agreement into the handle of each party.
In buying an insurance product, the buyer always met realtors. Do not be tempted by the attitude of an agent who wants to quickly purchase closed because the buyer can go wrong in taking decisions. Buyers should not pay attention to the signs clearly very interested in the product.
Caution is needed. Fund the purchase does not belong to someone else, but yours. Loss or risk of error still purchase insurance borne by the buyer, not the other party. (ADLER Haymans MANURUNG, practitioners of Finance)

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Written by Dx at the date of Tuesday, 5 January 2016