Forget the end of New Year to the policyannual inspection Insurance Tips

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

2005 must have passed. In order to protect the effectiveness of policies to ensure that their own interests, when the New Year, "Money Magazine" recently published an article reminding: for the family to do a careful policy of "annual inspection."

╿Address Check

As cities grow and life changes, a number of the insured when the insured fill early contact has changed, there is no time to inform their own insurance company or service personnel, resulting in a number of related insurance companies, insurance follow-up services can not keep up with , the insurance company sent some of the notice and not be achieved.

Recommendation: check your insurance policy is contact information. Is found to differ with the current method of contact, should promptly call their new contact information will inform the insurance company, so that policies can be service in a state.

╿payment and check the effectiveness of the policy

The insured to purchase insurance when there are multiple payment options: manual door collection, bank Hua Zhang, personally go to the bank to pay.

Many of the insured for the convenience of save trouble, choose the way of bank transfer shall be designated. If they are stored premiums, or inadvertently into account the premium paid to write off, followed by the insurance company did not receive reminder notice or forget after receipt of payment reminder notice will lead to policy failure, the insurance rights and interests of can not be effectively maintained.

Recommendations: First, years ago, will be the year should pay the cost of insurance into account, to avoid the charge account balances due to inadequate unsuccessful. To avoid stored for too long, financial interest loss occurs, it should be borne in mind the time to pay the premium. Second, payment to the insurance company demanded payment after the success of vouchers, and do keep archived. When it comes to education, gold, gold and maturity to receive pensions and other payments to survive when the fee required to produce a credential.

╿to see if service personnel are still in

The increasingly competitive insurance industry, agents, leading to a large number of job-hopping "orphan policy" no service a lot of cases. Moreover, many people purchase a "compassionate policy", but as friends and relatives not do agents, this group follow-up services even more difficult to protect.

Recommendation: to buy insurance, they had better put the card salesman stored together with the corresponding insurance policy. If it is found the agent left, and should require insurance companies to appoint a new service for their own staff, to ensure their own insurance is always in an activity state.

╿signature and age details

Double-check each home insurance policy the insured Zhang signature column, the insured person signed columns, column names of the beneficiaries, the insured person ages fences. If it is found when the insured is not autographed, or age of the insured person is wrong, need to change the beneficiary, should be timely and customer service agent or insurance company to contact to change the procedures completed.

Recommendation: If the signature policy there is a problem we must bring relevant information to the insurer-fill sign up for them and avoid any self-insurance rights and interests can not be maintained. If it is the policy of any party to change the name or age wrong, need to bring proof of residence such as insurance companies make changes to the annotation.

╿the survival of the collar has received payment

After buying a lot of the insured in the insurance, always forget to buy something, but do not know when it can be with insurance companies to "pick up the money."

Recommendation: If you miss a payment or receive a portion of the survival of the opportunity to return to the principal, not nervous, you can look at the policy carefully to see if there is written down in a small part of the survival of golden collar can receive in the future some of the projects be compensated. For example, some education on the provisions of the insurance payments, high school or university gold gold unlicensed person, you can receive compensation for marriage payments. If understand that agents and insurance companies may apply to the advisory.

Of course, the policy "annual inspection" are not limited to the above five. To pay attention to the responsibility of all copies of insurance policies, except the responsibility.

In order to more clearly understand their own security situation in the family, take a moment to be his family all of the policies are organized into a computer document. Archive includes signing time (if the years of payment products, the corresponding fees for each signing is the anniversary of the time), the specific name of the insurance, the basic sum assured to protect the period, the premium payable each year, the specific insurance benefits. For some regularity to this, full insurance annuity payment period, it should be done as a reminder of some Notes. If at the end of this year all the old policies were organized into electronic document format in the future again, "annual inspection" when more convenient.