It is true that for secure and tension free future, it is always better to have an insurance policy. Well, for that matter many insurance policies – covering almost all aspects of your life – health, house, vehicle, life etc. A person feels that if he has insured all possible things mentioned above, then he can lead a stress free life because the policies take care of any unforeseen and urgent situations when you may need funds to overcome the emergency. We all know that door to door selling insurance agent is the one who literally haunted you till you took the bait and finally gave in to their persuasion by investing in their company’s insurance policy.
Must read–BUYING INSURANCE IN INDIA
It was always a win-win situation for the insurance agent because your addition to their customer list means more business for the company and one more “target” means good commission for the agent.
Have you ever given a thought about the actual need of buying that policy or its long term benefits? We end up trusting the agent blindly and fall prey of his sweet talks. In fact, we are so pleased with the “home service” that we do not even bother to find out information about other players in the field who offer similar or may be better policy package.
JAGO GRAHAK JAGO:
Dependency on your relative or friend or neighbour to buy a policy is not a wise idea anymore. Under the name of “family” or “good friend” insurance agent try to achieve their aim at sweet talking you to buy their company’s policy. Insurance agent is happy with the fine commission that they get. But you are left relying on single source when there are many options in the market, sometimes better than the one you opted for, but did not heed.
This is the age of internet and this medium is so powerful that at one click of the mouse you can access plenty of information. Yes, you can now hunt for various companies offering different policy packages and compare them conveniently together in a chart. All thanks to different sites that offer in depth analysis of the companies, their schemes, their claim settlement history, all in a single chart for easy reference.
This way you not only get an idea of the market trend but save a sizeable amount on high premium policy and choose the plan that suits your needs the best.
BEWARE OF TAG LINES OF INSURANCE AGENT:
When you encounter door-to-door insurance selling agents, they have their favourite tag lines to convince the client and coaxing him /her into buying their company’s policy. First and foremost, they claim that they have The best policy to offer and you will not get any better deal.
Secondly, the benefits that are on offer by insurance agent are for a limited period, so be an early bird to grab the “best plan”. Please don’t be fooled by this! If they have this “one time offer”, there are many others in the market offering a better deal. Look for it and grab that instead. Online options give you liberty to select good plan that has financial advantages too.
Finally, the door to door agents want to do business with you at any cost. So they do not hesitate to convince you the disadvantages of Online Policies and falsely implicate that online policies have claim settlement issues, once you buy online policy you are left high and dry. Whereas the agents are true friends who care for your future and give more personalized service, etc.
MAKE A WISE DECISION:
As you can see, buying an insurance policy in India is not an easy task. You should consult a financial advisor to discuss what is best for you. Then the crucial step is study the various schemes available in the market and then make the right choice. And yes, don’t forget to ask yourself this question, “Which is better, Online agents or door to door agents?” And I am sure ultimately your answer will be in favour of online insurance agent.