tips choose to company life insurance

tips choose to company life insurance

in choose to company life insurance, one of them by judging the reputation. reputation can we are value from three things, that is:
service reputation
finance reputation
owner reputation and management
service reputation
manner evaluates service reputation, one of [the] its way with visit self office companies insurence. or minimal you know where the office presents. service value that given when you visit to company that. with will visit self perusahan so you can detect service quality like what you will meet when you must come self later, for example, in administer your amount insured. this can be done when company life insurance profess system bancassurance. example: axamandiri, insurence cigna, and others.
when company life insurance use system agency, choose insurence agency genuinely has atitutude good, can explain product with as well possible for the benefit of customer (not self importance, like on the basis of by get commitee big), has strong emotion at the (time) of explains product that sold. example: prudential, astra cmg, manulife, and others.
finance reputation
evaluate finance reputation by judging financial statement company that can you ask or you see in media prints also at electronic media. value how big capital strength companies compared with company other. also how does the good cash flow from company. in the world of insurence, known term rbc or risk based capital. this a manner to evaluate well-being companies your insurence.
choose to company insurence that has rbc above 120 percents. if you are does that confused rbc confused, enough ask what rbc company your insurence to your insurence agency or click here. if rather slimmer from 120 percents, mean reasonable, but must thinks again. less than that, better look for other. my suggestion, plilih company insurence that has rbc far above 120%.
owner reputation and management
look at also who is majority owner and who is manager from company your insurence. see to what them has disgraceful reputation at society. really, sometimes this matter is may be is seen rather subjective, but there is nothing wrong if you know to who owner and who is manager company your insurence. if they have disgraceful reputation, koid immediately.
tips another, if you choose to company life insurance joint venture, you can see to how reputation from company foreign at various country other. your insurence agency is usually has message collection about how does reputation company foreign at amount of country other.
and if choose to company local life insurance (not joint venture), so choose to company that has reputation “tahan banting”, that is company enough old and ever pass assorted crisis. if company life insurance be part from a big effort group (conglomerate), so try to see also how does performance from big effort group. this is because sometimes, the lossy one of [the] company in big effort group can mutual influence profit and loss from company another found in effort group.
conclusion
from tips simple above can help you decrease risk not membayarnya your claim by the company insurence. importantest, don't then you get the wind up to come along insurence.
source:
http://alifreza.wordpress.com