Do you want to buy a life insurance policy? Do not rush. There are several things to consider when determining what insurance products are going to wear, either for yourself or for your employer. Some tips can help you.
1 . Separate the items/objects according to economic calculation
Choose items that really need to be insured, so you have
nothing to lose. For example, if you intend to take fire insurance for your
home and household furniture, then you do not need to enter the computer and
all the accessories into the calculation. Why? Because the recovery value for
the company’s computers is very low when compared to the value at the time of
purchase or at the time the computer will be insured.
2 . Identify items / objects are clearly
You should first identify the goods/objects to be insured.
At the company, for example, a garment factory and machinery, generators, and
other equipment associated with the activity of the plant.
3 . Choose an insurance company with a good reputation
Do not be fooled by insurance companies that provide a
premium rate ( the amount paid for a unit of protection afforded ) low or high
premium pieces. If you do, can – can the insurance company cannot claim
complete payment when you make a claim against them.
4 . Give a clear description
Give a clear description of the object you are insured to
the insurer/insurance broker. Instead, ask for more complete information about
the insurance products they offer. You can ask about the types of insurance,
extended warranties, rate premiums, deductibles ( the number of expenses you
will pay before the insurance company began paying compensation), cut or claim
procedures.
5 . Ask the scope of insurance coverage ( insurance coverage) is the best
You should ask for the most extensive insurance before the
insurance guarantee insurance policy is issued. Cheapest car insurance.
6 . Choose a package of insurance products
Instead of just choosing one insurance product, you are
encouraged to choose one package at a time. Thus you will get discount
facilities and better service. For example, the purchase of home insurance
(fire insurance ) following cars ( Car Insurance ), and personal accident for
the family members.
7 . Ask the system ” First Loss Insurance ”
Especially for objects that have value / very large number,
for example, over 100 billion, have the system of ” first loss insurance ” to
the insurance that the premium you pay is not too great.
8 . Ask the system ” Adjustable Policy”
Value/amount of insurance stock merchandise typically shows
a different volume each day or each month. To fix this, you can ask the system
” adjustable policy ”. With this system, you will pay a premium in accordance
with the volume/transaction really have to do.
9 . Read, carefully and ask
Carefully read and examine the contents of the policy
statements and articles thereof. Ask about the procedures that will claim you
did before approving an insurance policy issuance.
If there are errors in writing, either on insurance or another
information object, immediately notify the insurance/insurance broker. cheapest car insurance. They
will soon issue a written improvement in the policy.
After you have approved the issuance of the policy in the question, request a duplicate of the original document and the policy, complete
with the receipt as a sign of ownership and payment of insurance premiums.
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