Yesterday, I had just taught the friends of the department about insurance from start to finish. They are very keen to find out. Yes thank all my friends. Greetings from me.
There are some interesting things when we discuss the material that I brought the insurance starting from the basic principle, the concept of insurance, life insurance, unit-linked insurance and health insurance. Funny thing is they have the product but the benefits they have not mastered.
Particularly when I bring the Unit Linked Insurance matter, they are asking a lot and try to reflect the average policy that they bought new between 3 to 5 years ago. They all seemed confused by my explanation of where the product is very good but a lot of information that they only learned from my explanation. Special section they ask Ican conclude the following:
A. Why have I paid premiums for 3 years and after the cut since the first year, but if you calculated a simple, three-year investment is still below their expectations tend to not even exist?
B. Why the agents when they describe a product, they do not explain the purpose from each chapter there in the policy. This leads to customer confusion after buying the policy?
C. Why is a unit-linked products can have similar benefits to the purchaser but the cost is different but the products they buy come from the same company, although with a different agent?
Question of the above makes us who work at insurance companies should be able to provide insight to the agent to explain to customers even better on unit-linked products.
The product is very unusual if accepted by the customer with insufficient information,it will cause problems later on and could lead to disputes that are not good. But it isdifficult to disentangle. And increasingly find fault, usually the customer who would be harmed.
The product is very unusual if accepted by the customer with insufficient information,it will cause problems later on and could lead to disputes that are not good. But it isdifficult to disentangle. And increasingly find fault, usually the customer who would be harmed.
We recommend that at this time if you want to buy a unit-linked products, you shouldfollow the following Tips:
A. Ask for an explanation of an experienced agent or a licensed agent. Ask them to show the license and the license must be in active state.
B. Ask for product brochures, illustration and specimen policy on the products you want to buy. Ask for an explanation as detailed as possible and ask which one isuncertain and where the assumption.
C. Ask the agent for detailing all the costs will be deducted of policy before you buy.
D. Ask the agent to make an illustration with a maximum investment value (acquisition cost as minimum as possible) since the first year of the policy.
E. Ask the insurance benefits that suit your needs and do not add to the benefitswhich if you do not need because it will cut the value of your investment.
F. Fill out the insurance application form as complete without the help of an agent. Allinformation must be properly filled because of the benefits of filling themselveswith the correct data is to facilitate the process in case of future claims.
G. Read back the contents of a policy that you receive from the agent. If you find afteryou read the policy differences with the previous offer, you can request to be canceled. Cancellation policy is the right customer and you will receive back the premiums you've paid.
This is just simply share stories and hopefully increase our knowledge of all. If there is any other opinion or the opinion of the build, just post your comment or email it to henry.januar@gmail.com . Do you have a different opinion? There is always a funway to learn finance if we know the tips and tricks ... It's a Fun-nancial Tips and Trick. Have A Good Day.
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