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Data:2009-12-12 2:34
Insurance people, reminds consumers that if you are already sure you want to buy an insurance claim, fill out insurance and pay the first phase of a single premium, you had better pay special attention to some small areas, and sometimes precisely because the insured did not do these steps, the results of rise to claims disputes.
Age insurance. The insured person must accurately complete its current age, such as the current is February 26, 2002, then February 26, 1975-born man 27 years of age, born February 24 the same year, the person can only be counted as 26 years of age.
Beneficiary. Due to improper filling of beneficiaries has led to a significant portion of insurance claims disputes, so we must be cautious fill in this column. Is best not to leave this field blank or fill out the "legal" because they did not designate a specific beneficiary or fill out the "legal" will make the insurance payments as payment Heritage by "legacy method" process of succession to the legal heirs. Its successor, are required to pay the inheritance tax and bear the insured person's lifetime of debt. Therefore, the general office should be designated the beneficiary of parents, spouses and children and other loved ones of one or more bits, so designated beneficiary to receive insurance money when you do not have to pay inheritance tax, but also without the assumption of the insured person's lifetime of debt.
Autograph. In the insurance shown on the insured and the insured person (such as a minor can be signed by their guardians) must be personally signed, otherwise insurance is null and void. Recently, a very fact that sadly told reporters that she had purchased an accident insurance, the insured, the insurance salesman told her that, in order to save her time, with office without my autograph, signed by the clerk on behalf of the can However, recently very fact that damage due to accident, claims to insurance companies, insurance companies, found that the signature on the policy was not her own, according to the relevant provisions of the refusal to make reparation, so that very fact that while buying an insurance policy, but he is not "insurance."
Cooling-off period surrender. The so-called cooling-off period, this means when you took over from the insurance agent after the formal policies, there are 10 days time to look carefully at your terms and conditions, to decide whether to surrender. If, in the 10-day period of time, you find the insurance policy is a mistake can be corrected in consultation with the insurance agent, significant differences, you can receive the unconditional surrender the policy within ten days and to recover all of the premiums paid.
