How to Choose life insurance corporation
Life is good, not only to provide immediate protection in case of an unexpected event only. But saving money is a good way to help make insurance savings with the discipline to be protected. You can take a tax deduction, too. Many of you may suspect Then life insurance is a good format. Today we have good advice. To choose insurance to suit you from K-Expert by Bank of Thailand. Leave a reader
The purpose of life insurance corporation
For example, if you select an insurance run that risk. Or have a need to travel frequently. To make life protection You should select an insurance period (Term Insurance) to create stability for the family. There is no obligation to take care of parents Or savings as a legacy to their children. You should choose life insurance (Whole life Insurance) or make your retirement income should be guaranteed savings (Endowment Insurance), which is similar to the deposit and so on.
:: Ability to pay insurance premium.
If you have no financial obligations. You may have insurance cover for risks, such as life insurance, health, accident, disability, which when combined with the burden of paying premiums by up to 50 percent of revenue. But if you have other obligations such as mortgage or car payment. You should divide the money intended for the payment of insurance premiums, up to 10-15% of revenues in order not to interfere with other large expenses.
Instructions on how to buy life insurance corporation.
• Choose a good insurance?
• Insurance companies that have stability?
• Advice on life insurance.
• the insured
• insured's duty
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Your life insurance is good?
There are four basic types of life insurance policy form.
1. savings is coverage that insurance companies. Will pay the insured amount. The insured when the insured survives till maturity. Or pay the insured amount to the beneficiary when the insured dies during the insured prior to maturity.
2. Life is a life insurance contract that provides coverage for life. Insurance Company Will pay the insured amount to the beneficiary. Or when the insured dies Insured alive until the age of 99 years, the life insurance company to pay the sum. Insurance for the insured
3. The period of time is that life insurance coverage. To pay the sum The insurance beneficiary When the insured dies during the insured. Prior to maturity only
4. A regular income is coverage that insurance companies. Will pay equal monthly installments for the insured while living in a period defined as 10 years or 20 years or for life.
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Any life insurance company is stability?
The company AIA has been rated "reliability" of financial AA rating from the Institute of Standard and Poor 'and holds a market share of life insurance is the "number one" in the United States, together with representatives of AIA through training and quality purposes. The excellent service for all customers.
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Advice on insurance
1. Choose a life insurance benefit needs. Such as income protection A Health Protection Serious illness insurance Savings, as well as considering the premium that can be paid until maturity.
2. Application form filling. To fill out the Questionnaire If others enter to check for accuracy before signing.
3. When paying a premium to get a receipt that a form of company.
4. When you have an insurance policy Always check the validity of the insurance. Named insured And beneficiary Sum Insured Premium amount, etc. It is important to read the policy. Make them aware of the payment under the policy. The exceptions specified in the policy.
5. Let me know if there is life insurance beneficiary. And storage facilities, insurance on the scene to obtain money immediately.
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The insured
1. The waiver of premium payment If the insured did not pay the premium when due. The company will pay a premium to deferred for another 30 days, depending on the conditions stated in the policy. Or more each contract During the grace period. If the insured Have been damaged by the protection it provides. Each insurance policy or contract Continue to provide such coverage.
2. The loan is insured by an insurance policy. When the policy remains in force And a cash value, the insured is entitled to recover money from the company and the amount of the loan requested shall not exceed the cash value.
3. Renewal of insurance policy for a refund. When the insured has paid premiums for many consecutive years. The cash value policy will occur. The insured has the right to ask policyholders to surrender. Cash equal to the amount specified in the table. Cash surrender value of the policy at the end of it.
4. Changing the policy is the policy used successfully. If the life insured Sent premiums for several consecutive years and does not want to pay any more premiums. It needs to be protected as original length. Insurance Company Bring cash value of life insurance policies to buy coverage by paying for the value of the money was given in the tables at the end of the policy period, the insured. Or when the insured dies
5. Changing insurance policy is extended. If the life insured has sent the premium for several consecutive years and does not want to pay any more premiums. I want to get the coverage amount. Same insured Life insurance companies will take the cash value of life insurance policies. To purchase coverage Provided that if the life insured dies within that period. Set out in the schedule to extend the insurance company will pay the amount insured. To beneficiaries If the amount shown in the attached table extension worth policyholders and insurers. Victims Alive When the insured period. The company will refund the balance to be with.
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Previous Insurer
1. disclose facts in applying for life insurance. Disclosure of the actual text in the insurance contract. To make effective policy Full force The company has no right to refuse to pay the sum assured by telling clearing agreement.
2. Premium Payment The premium payment Make insurance mandatory and can be protected. The full benefits of the amount insured.
3. Notification of change of address or name. A notice of change of address or name. The purpose of the service.
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