Tips on 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 among insurance companies today. However, there are several important factors you should know before you buy insurance . Well , what are the tips on choosing insurance ? Here's his review .


Ways of Selecting Insurance Products :
1 . Understanding yourself .
As the holder or purchaser of insurance , we have to know the true and clear our needs .Insurance products are so many and varied . Selection of the appropriate requirements should be a priority .
In the early stages , health insurance is very necessary parties began to collect insurance investment . Health insurance cover medical expenses , including hospitalization if need .Furthermore , life insurance bear the risk for future uncertainties .
This insurance provides a guarantee fund for the families left behind when the policy holder dies . That is , we remove the risks faced by the family in the future to the insurance company .
If this insurance has owned both , then we require insurance on items owned . For example , free home fire insurance , car insurance for loss or accidents could be made also include third party .
If you already have it , a new thought very specific insurance and offered to the public . For example , job title insurance or indemnity insurance frofessional . Insurance is required doctors , stock brokers , and MI .

2 . Finding desired insurance and the insurance company offers .
Many insurance companies offer products and varies between one company and another . For these products , insurance buyers should look at the products offered . If necessary , the buyer can consult with friends or an insurance expert .
When looking at the product, the buyer should understand the legal language of the brochure products offered . The same premium product can be different for each insurance .

3 . Take into account the ability of any insurance to be purchased .
If buyers want only insurance , the premium is an expense , not an investment . The following year the buyer must pay the premiums anymore and there will be a possibility of premium increases due to inflation or the cost of insurance companies .
Do not force yourself if you can not afford the insurance . Better delay and melaksanaka next year . When buyers push yourself , another post to be sacrificed in order to purchase insurance products .

4 . Insurance products with the ability to match funds .
It is a decision-making process for the selection of insurance products to be purchased . If desired insurance products there are some , and offered not only by one company , it is a very good information for buyers because there are options .

5 . Discuss the contents of 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 scrupulous . All brochures and information from the seller's agent should be discussed with the parties understand the law , so that the more secure option .
Because mambutuhkan costs , buyers can ask your friends, or " friends of friends " who understand . The 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 in order not miscast . Insurance buyers should know the track record of the company . Ownership status of the company sometimes also be a selection factor , but not the main factor .
There are insurance companies that are still small , but very reliable track record .Insurance buyers can ask customers or buyers of the company's insurance . In fact , it could ask the insurance that has been paid as per the agreement .
Large companies are also often do impropriety . Often we hear that the insurance companies are very keen when collecting premiums , but very difficult time of disbursement of insurance claims . Delay in disbursement of claims usually because the company is still doing of Inquiry on an event giving rise to the claim .
Foreign or local ownership is also often an option . Foreign owners are usually more experienced than local . However , the buyer can judge for yourself on this characteristic .Good management will always pay attention to its customers . Usually insurance companies have a meeting with customers to meet so many products purchased .

7 . Sign the insurance agreement .
This stage to consider carefully whether the contents of the agreement according to our wishes and offers . 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 should be careful and ask postponed to suit the buyer . What is written in the agreement into the handle of each party .
In buying an insurance product , the buyer always meet the seller agent . Do not be tempted by the attitude of an agent who wants to quickly shut down because buyers can purchase any of the shots. Buyers should not pay attention to the signs clearly very interested in the product .
Extra precaution is needed . Purchase fund does not belong to anyone else , but yours .Loss or risk of error still borne by the buyer purchase insurance , not the other party . ( ADLER Haymans MANURUNG , practitioners Finance )