Already have insurance? For those who haven't, maybe they want to have insurance immediately, but haven't found the right product. The reason is that before buying, we must know the product well so as not to make the wrong choice.
No wonder insurance agents have an important role as a bridge between the community and insurance. If someday we meet with an agent and are offered insurance products, these are some things to pay attention to.
Here are the things to consider when you meet an insurance agent:
1. Understand the Purpose of Insurance Registration
Insurance is a product to minimize risks, not investment even though there are benefits of investing in it. Because, insurance cannot increase the amount of assets we have but save them from expenses due to falling ill, accidents, or when they die.
Understand our purpose for entering insurance. If the goal is to ease the financial burden when falling ill, health insurance is the right product. Meanwhile, if we are the breadwinners for the family, then life insurance is the right one.
Convey the goal to the agent, so that he can calculate the cost or insurance premium every month. Of course, that corresponds to the benefits we want.
2. Be Open about Financial Conditions
What about the financial condition? It is also important to discuss this with the insurance agent in order to facilitate the selection of the right product and benefits. Because to get optimal benefits, the premiums paid are greater.
For example, we want the benefits of treatment to reach all over the world, then the premium can be many times the benefits if the treatment is only in Indonesia.
Ask the agent to make an insurance simulation based on the amount of premiums that can be paid, the criteria for inpatient rooms, and the area of treatment. From here we can find out whether our desires can be realized or not. If not, then the premium will have to be enlarged again.
3. Tell Who's Registering Insurance
Insurance is intended for everyone at all ages. Tell who will apply for insurance when we meet with the agent. Whether it's us, parents, siblings, or couples.
The goal is to estimate insurance premiums. This is because the size of the premium really depends on the age of the prospective policy. Between a couple who are 30 years old and a 50-year-old old, the premium for parents is definitely greater.
Why is that? Because, the risk of developing the disease in the elderly is greater than in the younger ones.
4. Be Honest about Health Conditions
In the process of registering for insurance, there is such a thing as the underwriting process. This means the process of assessing the level of risk that may occur in the policy in the future. Whether the risk level is high, medium, or low.
The way to find out is to tell the real health condition. So, we need to be honest about the type of disease that has been suffered. If you are not honest, it is afraid that this will hinder the claim process in the future.
If one day we make a claim for one of the critical illnesses that were not mentioned during registration and the insurance manages to track if we have had the disease, then the claim is likely to be rejected.
5. Ask if you don't understand it
Ordinary people like us certainly don't understand insurance, let alone the terms in it. This is the reason why asking is important when things are not understood. While there is an insurance agent too who is ready to explain, so don't waste this moment.
The questions asked help us get to know more about the product we want to buy. Thus, misunderstandings about benefits such as those that often occur in insurance can be minimized.
6. Make Sure the Insurance Agent Has a License
Have you ever heard the news that the insurance agent took away the insured's money? Well, this is what to watch out for as the cases are increasingly being found.
When you meet an insurance agent, ask about the agent's license. If necessary, ask the agent to present the license as proof that he works under the auspices of the company.
If there is an unwanted incident, we can sue the company so that this incident can be dealt with immediately. We as insured do not feel wronged.
7. Agent's Ability to Explain products
The agent is like a seller, where the seller must understand very well about the products he sells. Right, right?
When offering insurance products, we must pay attention to the agent's explanation. See his ability to explain the product. From this we can judge whether the agent is qualified or not.
From what is explained, we can know the benefits that can be obtained. So, we as ordinary people do not consider insurance a scam.
Build Good Relationships with Insurance Agents
Do you already know what needs to be considered when meeting an insurance agent? If so, don't forget to build a good relationship because when we experience claim problems, this insurance agent will always help us.
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