The issue of own life insurance is especially relevant for pensioners, for draftees and military personnel, for tourists, for children and representatives of risky professions. Equally important is health insurance. Today, quite a lot of insurers offer their services. Almost everyone has the opportunity to insure their own life today.
You will need
Documents proving your identity (passport, TIN, the full list must be specified in the selected insurance company), money.
Instruction manual
1
You need to choose a life insurance program. There are two options: accident insurance and funded insurance. In both cases, the payment occurs when an “accident” occurs, but the conditions are significantly different. In case of accumulative insurance, if the insured event did not occur before the expiration of the contract, you will receive the funds you paid back. Under such an agreement, it is possible to pay the insurance amount once, in several payments, or pay contributions regularly, up to the expiration of the contract. In case of ordinary accident insurance (not funded), the funds paid will not be returned to you.
2
Having chosen the type of insurance, proceed to the choice of the insurer company. Gather as much information as possible about the reliability of the company, read reviews, how well the funds are paid. Evaluate how long the company exists.
3
After choosing a company, carefully read the life insurance contract, if you do not understand something, do not hesitate to ask questions. The contract should not contain conditions that can be interpreted differently.
4
Conclude an agreement and deposit the required amount.
note
If you are aware of cases where a company has not paid the insured person the remuneration due to it, it does not matter what type of insurance, if the company uses the slightest opportunity to evade its obligations, it is not worth contacting it. That is why it is so important to read as many reviews as possible.
Useful advice
Accident insurance, not funded, is ideal if you need to insure for a short time. The cost of such an insurance policy is slightly lower than the cumulative one.
