Conclusion.

Conclusion.

We have already said that the U.S. has a very powerful insurance companies, whose capital is calculated. tens and even hundreds of billions of dollars, they usually provide the greatest range of services and monitor their quality. There are medium and small companies, all of them are about two thousand.
But do not stop your choice on a particular company only on the basis of the value of its capital. Advised to collect on the company you are interested the most detailed information. This will help the local organization of Consumers Union, and just friends and acquaintances have had with it. Pay attention to the cost of insurance, the amount of services provided.
Important and the choice of agent. Unqualified or unscrupulous person who works even on an excellent company that can negate all of its advantages. Assuming they voluntary or involuntary errors in text of the contract, which at long term security can only be detected years later, you may be very significant losses.
Of course, it is safer to stop the choice on a person with a solid practical experience in the insurance business. These people are not only above the level of professionalism, which in itself is important, but for a long time passed all test dates and submitted all the required exams, do not fear for their jobs. They will not take a direct violation of his professional duty, fraud, only to have to get extra customer and stay on the job. You should not have to deal with an agent, who immediately, with the bat, starting his own company to praise too, and throw mud at others. This suggests not only a violation of their code of ethics, but simply of dishonesty, near the mind.
Speaking of exams. When your potential insurance agent produces his card, note, is there with the name and the name provided by the company to reduce CHFS, CLU? Their presence suggests that this person has passed the necessary exams and passed the training. But do not be shy to ask him as many questions at the conclusion of the contract, to specify all the details. You are not only better grasp of them by yourself, but be able to understand how irrelevant your agent.
Let's finish the topic of insurance some practical recommendations, which should always adhere to, regardless of which particular insurance contract you are going to sign:
Before you execute a specific insurance decide, and whether it is necessary to you, really? It may be that you are completely and without it will cost? Think the Council, looking for information.
Having made the decision, keep in mind that for the same amount of different companies will offer you different terms. Choose the best.
Do not forget the term Direct Response Companies, which means that the company operates without agents, brokers and pays them a percentage of each transaction. As a rule, these companies offer the lowest prices.
In no case, do not sign a contract without reading it carefully. Better to spend too much time now, than money later. Agent to ask again about all that you do not understand.
Always ask insurance agents from the documents confirming their right to engage in this type of licensed activity.
Pay by check, not cash, unpaid check - the proof of the transaction and material evidence in any proceeding.
Be sure to check which Free-look period is provided to you the terms of this contract. It was during this period may have to cancel the deal.
Keep in mind that on all issues that arise when signing the contract or thereafter can and should apply to the State Insu ranee Department - Department of Insurance in your state.