Answered 6 obstacles when participating in life insurance

30/11/2019 , 187.773 views


Many people join in life insurance and which are still not sure about life insurance, so to comply with the obligations and entitled to full benefits when the insured must understand security life insurance.

Many people join in life insurance and which are still not sure about life insurance, so to comply with the obligations and entitled to full benefits when the insured must understand security life insurance.
1.    Life insurance can be beneficial for me and my family?
  
Life insurance is a financial protection tool effectively through the provision of cash benefits to cover the financial risks occur when the breadwinner in the family's unfortunate accident risks. Therefore, life insurance helps provide secure state of mind, reduce anxiety before risks, uncertainties and domestic customers. Life insurance not only for the insured themselves, but also help customers get the family financial resources to maintain a stable life, continue to implement the plan for the future...
2.    Currently I have had social insurance, health insurance already. So I should join a life insurance or not?
Social insurance and health insurance is policies in the social security system where the State provides a number of subjects, contributing to stable lives and provides certain financial protection when the retirement, or illness, disease, ...
    
However, rights, audience participation and coverage as well as the degree of flexibility of these policies not meet the needs of many people. Life insurance is a solution that provides additional insurance that social insurance / health insurance do not have, or have had, but did not meet the needs of diverse customers. That is also why you should participate in the life insurance, whether you have or do not have social insurance, health insurance.
3.    The principle of absolute honesty to declare insurance claims records is what?
When customers declare on file insurance claims, need to apply the principle of absolute honesty. The evaluation of the client's health at the medical assessment center / health check center and accept coverage of the life insurance businesses is based on trust in the customer information on file insurance requirements. So customers are responsible for providing all the details related to individual health and a full and honest way.
 
The full honesty declaration of customer when filling insurance claims records not only help solve the insurance benefits are fast, convenient when the insured event occurs, but also the legal elements is very important to the insurance policy takes effect. The companies conducting health checks of the customer does not replace the obligation to provide customer information.
4.    An insurer can guarantee that we will pay when participating life insurance or not?
Legal insurance contract between the insurer and the customer is valuable evidence of legal guarantee insurance businesses to comply with payment commitments.
5.    What are conditions for obtaining life insurance?
 
Just clients in age can be covered (with specific regulations in each specific product), with health standards consistent, able to pay insurance premiums may insured life insurance.
6.    How much money customers need to have at least to participate in life insurance?
Customer amount required for insurance depends on many factors: the difference between the insurance product, term insurance, the insurance amount, recurring fee ... Typically, the amount of security appropriate insurance is determined based on the following determinants:
•    Target customers estimate made after a defined period of time
•    The minimum amount that customers need to accomplish that goal
•    Customers need to be protected by the risks
•    Ability to pay insurance premiums (savings) monthly, quarterly and annual customers.
Wishing you and your family choose suitable forms of insurance. Thanks for reading.