Do you currently purchase and own an insurance policy? If so, what kind of insurance do you have? Did you read and understand the terms and conditions of the policy, before deciding to buy it? If you had not understood it correctly, what was your consideration that makes you buy the insurance policy?
Nowadays, there are a lot of people who buy the insurance product, who decided to buy and have a policy not because they had analyze the risks and need the insurance protection. They buy the insurance only because of continuous offerings by friends, colleagues or relatives. They buy because they feel bad to refuse the offer. At the end, they buy and pay for a policy that they do not really need at that time. Also, they don't understand the policy.
My suggestion, before you decide to buy a product of any kind, especially the insurance products that contain a written agreement in the form of policy and legal language, and written in small letters, you should ask for "dummy" policy to be read, studied, and understood. You have to understand the terms and conditions, the risks that are guaranteed and the risks of being excluded. Make sure all risks you need to be guaranteed in the policy are purchased there.
Some steps that you deserve to go through before you buy and pay for the insurance policy:
1. Analyze the risks that are owned and dealt with, then set aside a "budget" for protection fund.
2. Contact the insurance company directly, or insurance agents or insurance brokers.
3. Ask for quotes from at least two sources for the type of insurance policy that you need.
4. Ask the specimen policy ("dummy") of the types of insurance offered.
5. Ask for an explanation from the seller, and understand the differences of each offer. Explanations should be put on and refer to the "dummy" policy, so that what the seller said should be based on the policy.
6. Remember that the cheaper premium is not necessarily the best, there must be a cause. Probably there is different risk covered by the product and the insurance companies are different class and reputation.
7. Ask about 2 weeks and understand yourself by reading directly from the specimen that you currently have.
8. When you have understood correctly, and believe your choice, please go ahead and contact the seller.
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