Life Insurance Scam :- Now a days agents / advisor of different life Insurance companies are flooding in market . They oftenly mislead customer for higher return & no risk ,You well have to take care of below mentioned points.
Never select a policy premium which you are not able to give in bad days. :-
Do not go for higher premium policy instead go for small premium many policies. In event of some problem , some policies you may be able to run & other may be lapsed policy ,may be restarted when you are having good days .
Various companies are offering unit linked insurance , theycharge very hiegh administrative charges ,balance amount is invested in equities . Agent and advisor, never tell you correct position. & you may be looser at the end .
In Unit linked polices , there is boundation for 3 year premium , if you do not pay, your policy may be lapsed. Yes may get only negligible amount .
Hence take care of every point before opening any policy
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Monday, May 31, 2010
general insurance
There are many general insurance policy being marketed by General Insurance Companies , policy term & conditions are written in small letters. Which are never read by customers . Customers are facing problem while lodging any claim . We are giving few guideline ,kindly take care before you opt for General Insurance.
Motor Insurance - When you opt for Vehicle Insurance , never consist agent / Co. to reduce sum insured that well result in reduction of claim amount due to under insurance . Secondly always get comprehensive insurance of your vehicle when it is less than 10 year old , claim is paid after deduction depreciation of parts and excess.
House Hold Insurance/Machinery Insurance :- While getting house hold item insured . Get insured for present replacement value of product . Try to keep purchase bill of items in safe custody . Insurance company will try to verify value of goods from market . If insurance value is less ,then there will be under insurance & your claim amount will be deducted .
Shopkeeper Insurance : While insuring stock of shop or malls ,take insurance value of stock on higher side ,always keep records of stock and daily sale and purchase ,in event of loss ,all records are verified .
Motor Insurance - When you opt for Vehicle Insurance , never consist agent / Co. to reduce sum insured that well result in reduction of claim amount due to under insurance . Secondly always get comprehensive insurance of your vehicle when it is less than 10 year old , claim is paid after deduction depreciation of parts and excess.
House Hold Insurance/Machinery Insurance :- While getting house hold item insured . Get insured for present replacement value of product . Try to keep purchase bill of items in safe custody . Insurance company will try to verify value of goods from market . If insurance value is less ,then there will be under insurance & your claim amount will be deducted .
Shopkeeper Insurance : While insuring stock of shop or malls ,take insurance value of stock on higher side ,always keep records of stock and daily sale and purchase ,in event of loss ,all records are verified .
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