Need to consider when buying insurance those factors Insurance Tips

Category: Insurance tips Release Date: 2006-08-01

Many people in the choice of insurance when the insurance companies and insurance products are often torn between, there is a good product and the strength of incompetent insurance companies, or companies are very powerful but there is no good product. Dr. Tong Bao Financial insurance products, product features, the company's strengths, the agent should be taken into account.

1, the product characteristics, buying insurance, buying a product, rather than insurance companies, such as the purchase of a car, consider the performance of the car, rather than the same manufacturer. Insurance is not an absolute good, and "appropriate" is the best. As the current restrictions on domestic insurance products are more differences between the various insurance products that do not, but some types of insurance have more features, contrast, protection or services will be some more. Therefore, the selection of insurance products at the same time, in addition to insurance and investment company dividends advantageous first consider the ability of insurance companies and credit, the general insurance products, insurance should be top priority.
Some people worry that insurance companies will close down, in fact, it can be assured that because under the "Insurance Law of The People's Republic of China" Article 87 provides that insurance companies have been withdrawn or declared bankrupt according to law, and its life insurance contracts and reserve funds, and must be transferred to the other life insurance companies; transfer agreement can not be reached, and by the financial supervision and management departments to designate insurance companies to accept. So, do not have to worry about service issues after the insured.

2, the company's strength and services In addition to product features, the insurance company's strength and services are also factors to be considered. Although unlikely to consider when buying a car manufacturer, but is usually caused by a car manufacturer to repair, if the service is not good, then your car maintenance up trouble also! By the same token, buying insurance products also depends on the strength of insurance companies. For example you buy a longer cycle, pension products, and that their own capacity to resist risk insurance should be to carefully consider; the short-term products, such as one-year accident insurance, there is no long-term product much less salient.
In addition, the choice of insurance companies while also considering the services, such as whether there is capacity, and so lose the national pass. To buy insurance, service is an important part of post-Chuxian can get timely help and adjustments.

3, the agent of a person to buy copies of insurance policies does not show that has become an insurance expert, and therefore a good agent is also important. Agent is a bridge between the company and its customers, agents, service levels will be very direct impact on the quality of your future claims. For example, an agent familiar with the excellent business, he can ensure that your claim process is complete, so handle them will be very rapid, claims a lot of time will be shortened. But also in between compensable and non compensable, good agents and brokers and insurance companies allow policyholders in the game, when a more favorable position.

Finally, Dr. Paul suggest that you do take into consideration when buying insurance so that insurance can not only buy liking, and the future services will be assured that payment naturally comfortable.