Category: Insurance tips Release Date: 2006-08-01
The process of buying an insurance policy is to sign a formal legal contract process,
Do not signed, therefore illegal, unfavorable to your insurance policy!
Please be sure to watch out the following points:
- The insured for the insured person must have insurance benefits
"Insurance Law" stipulates that the subject of insurance policyholders do not have insurance benefits, the insurance contract null and void. In life insurance, the insured person having an insurable interest on the following persons: 1. I; 2. Spouse, children, parents; 3. And the insured is rearing, maintenance, or dependency relations between the other family members, close relatives; 4. Other: If an insured person agree to enter into a contract for its policyholders, as policyholders have insurance benefits. That you as the insured only for the above them to buy life insurance.
- The consent of the insured
"Insurance Law" provides for the payment of death conditions of insurance contracts, without the written consent of the insured person and the amount of authorized insurance, the contract null and void. "Insurance Law" also stipulates that the insured shall not be without capacity for civil conduct (such as the age of 16 children, mental patients), death of the insured to pay life insurance premium condition. But her parents for their minor children's life insurance coverage are not subject to the provisions of the above two limitations.
- Designation of beneficiaries to be legitimate
"Insurance Law" stipulates that the insured person or beneficiary may be designated insured. However, the designated beneficiary when the insured person shall be subject to the consent of the insured. If the insured person without civil capacity or with limited capacity for civil conduct of the person, you can specify the beneficiaries of its guardian.
- Select your satisfaction legitimate insurance institutions
A good insurance company should do to comply with laws and regulations, with sufficient solvency, management standards, and thoughtful service. To learn more about insurance information, a good way is to ask the competent authority - the People's Bank, or inquire about the insurance industry associations.
- The selection of qualified agents (Salesman)
You choose the marketing staff should at least obtain "Insurance Agent Qualification Certificate" official employed by a life insurance company, holders of "Fair trade certification." At the same time, he should also be trained and stand on your dedicated service position. You decide to buy some insurance, you should carefully read the insurance policy (in particular, insurance liabilities, except for liability and insurance portion), if necessary, may require marketers to explain one by one, or consult the views of other professionals. In addition, relevant agencies and insurance companies may issue promotional and informative brochures, pay attention and ask for a spare Liuzaishenbian. - To choose your own insurance to pay attention to the needs of the "need" rather than starting from the "insurance", "price" or "interpersonal" Go.
- Select the appropriate payment method
The same insurance, often there are several payment method options available for policy holders, such as the Tun pay the full premium Yicijiaoqing way, by year, half a year, quarter, month, phased Contributions paid methods. This is mainly for the convenience of policy holders, fundamentally speaking, there is no "which offers a more" issue. Therefore, we need to see a way for you to be more appropriate. For example, earnings are now relatively abundant, but the income is not stable enough for people to take barge delivery is a more conservative approach; for stable income people, if we adopt the annual cross-way, and extend the period Contributions can make Contributions more easily, but also get greater protection. In the payment, the insurance company also provides a variety of ways for you to choose. There are: 1. Insurance company sent to collect fees; 2. Policyholder to the insurance company to pay its own; 3. Commissioned by bank autopay. Which may be entrusted to a bank automated transfer of some concessions.
- To comply with obligations to truthfully inform the
Prior to insurance companies in underwriting, will require the policyholder on a single insured in writing inform the relevant important issues. If the insured intentionally or by negligence cover, the insurance company would not be liable, and the right to terminate the contract. If it was an intentional concealment, insurance companies also have the right to reclaim premiums.
- Do not on behalf of the signature
Whether it is a single insurance, health declaration, change applications, or other relevant documents, should be carefully read, fill in and personally signed, not arbitrarily by others on behalf of the sign, so as to avoid trouble in the future birth.
- Ask for a receipt Unified
When the delivery of premium, pay attention to ask for the unity of the receipt issued by insurance companies and properly kept, do not lightly to believe and accept the marketing IOUs issued by individual members, receipts and so on. If the insurance companies agree to cover, you must get the insurance companies that issued a formal policy; if insurance companies do not agree to cover, they should be collected all the premium refund to you.
- Note that the insurance take effect
My insurance company a general rule, insured the delivery of the first phase of insurance premiums, and insurance companies that issued policies, the insurers began to take effect. Ask your insurance company choose the specific provisions.
