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How to choose right policy
for you
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Insurance
is an important decision and the right
insurance policy can make all the difference
in times of need. Unlike the popular notion
that people carry with them while buying
a policy, insurance is not an investment
and is not being taken so that you may
leave a fortune for your children. |
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Choosing
the right policy
Personal insurance may include home insurance,
auto insurance, life insurance, health
insurance and annuities. Based on your
needs choose the kind of policy you require.
Each insurance policy has different kinds
of insurance. For example life insurance
comprises of whole life insurance policy
and term insurance policy. Auto insurance
comprises of comprehensive coverage, fire
and theft and third party insurance. |
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Planning
phase
Once decided, you need to consider the
various parameters that govern the different
policies. You first need to plan and list
your requirements from the policy. You
need to consider what other assets you
have that can be tapped into during times
of need. These may include multiple incomes,
savings, IRA, property income, etc. Also
keep in mind the number of dependants
in your family, your credit history, history
of debts, driving records (if opting for
auto insurance) and current lifestyle. |
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Amount
of coverage
Take an amount of coverage that will help
tide over financial difficulties and help
you lead a normal lifestyle as far as
possible. Avoid unnecessary coverage to
help reduce the money you would need to
pay every year. Finally opt for a premium
amount that you will be comfortable paying
quarterly or annually, as per the policy. |
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Fine
print
Read the fine print carefully before taking
a policy. The major consideration here
would be the coverage you are getting
and the compensation you are liable to
in times of a claim. Also consider carefully
the events under which you will be compensated.
One often discovers at the time of claim
that they have not been sufficiently covered
despite the huge amounts spent on insurance.
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Insurance
agent
It is advisable to buy insurance from
a licensed insurance agent only. This
is because these people know the business
better than commissioned retailers, car
dealers, mortgagors and other people who
may be trying to sell policies. Additionally
do not make insurance part of the retail
sale unless you want to pay interest on
top of the insurance. Choose an insurance
company with a good track record of customer
satisfaction and a good brand name in
the market. Avoid companies that do not
return calls on time, the service will
surely be worse when you want to make
a claim. |
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