Tips for Choosing a Good Insurance Company

Tips for Choosing a Good Insurance Company - Insurance is actually very important for our life , now because of the importance of insurance , then on occasion ini.Penyedia or so many insurance companies in Indonesia , due to too much , then sometimes it is hard to choose the provider or insurance company which best
The thing to keep in mind that in choosing a private insurance company , then that should be considered in general are three factors : First , the financial strength (security ) . Second , service ( service ) . And third , the cost .
In the article there is an explanation that insurance , the financial strength of insurance related to the company's financial ability to fulfill its promise if the situation requires . It is important to know, because not a few insurance companies are looking at the flashy exterior . For example storey building , good directors vehicles . But when there claims from customers , the company is unable to pay .
In assessing the financial strength of these there are several benchmarks that need to be considered .
Assets and liabilities. It can be seen from the consolidated balance sheet is published in the newspaper . See also , whether planted in the current investment or longterm . In terms of liability ( ability to pay off liabilities ) will look at the balance sheet , how the debts by reinsurers , how he fulfilled his obligation to pay claims , and so forth .
Indicators of net liabilities include equity (own capital ) divided by net premiums ( net premiums ) of at least 50 % . Own capital divided by gross premium ( gross premium ) of at least 20 % . Limit the level of solvency , as seen from its own capital divided by net premiums of at least 10 % and investment funds technical reserves divided by at least 100 % .
Underwriting Policy . In the balance sheet and annual report will be seen that the insurance is still a profit , or profit growth . This means its underwiting polcy good .
Its underwriters . Insurance has personnel qualified or not . It is known from the profile of companies that includes the underwriters him .
For that , there are many types of insurance that you can choose and pertimbangkan.Jangan too trusting with seduction and an explanation of the insurance agents , but how can you get advice or guidance on- menereus from agents regarding your insurance .