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Golden rules for the insured

Insurance is an issue for themselves. Many people are considered to be about insurance, but still have no basic protection. There are some simple “golden rules” that help us to navigate the jungle in the insurance and to avoid expensive ballast. Anyone who writes under an insurance contract, should have precisely calculated.

The most important rule: Nobody can insure against every risk in life. The all-round protection is only available in advertising. He is also usually not necessary because it is much more economical, smaller losses to pay from its own pocket as to plug money for many years in the insurance. The basic protection, however, must be, because there are insurance everyone needs. This includes personal liability insurance, because each of us can happen an expensive misfortune, for which we must espouse. A fallen down vase is usually no problem – we do pay ourself. If you are injured and perhaps dependent on other people a lifetime, everyone needs the support of an insurance.

Who needs which insurance: many citizens are over insured, but many times not right insured. Insurance can cost a lot of money, so everyone should always beware.

Even your own protection is a basic protection: A disability insurance can help in the event that you someday perhaps for health reasons, no longer can work, and a risk-life protects the family or partner with financial dependence.

Another rule: hands off of insurance packages. They seem to work like wonders. You never know really what’s inside, but usually there are things you just do not need. Optimal insurance is an individual insurance. You should only conclude what you really need – the frills around is unnecessary. Not immediately sign.

Next rule: First, read and understand, then sign it! Every tenth insured do not know how his life capital works exactly, what tax benefits actually brings the policy and how high the return is. This means that 10 out of 100 people sign a contract, they do not understand.

Better: The small print of insurance policies you should read carefully and questions should be answered in writing – so we know how good we are really insured.

Beware of co-payments: this is another rule, which need to be considered. Because a person can quickly burn their fingers. Of course, you may be better to pay some damage yourself before the insurance do it. But risk and savings have to be in balanced.

Duration observe: the rule “The shorter the better” should always heed insured. Because cheap life insurance contracts (for example) are not necessarily made for several years. By some insurance companies it makes sense, that the insurance run a long time, such as the disability insurance. This policy is for the insured more valuable the longer it runs. But the household insurance? The one can conclude each year, without any disadvantages for the insured at all.

Also important is the old rule, which not only applies to insurance: honest lasts as longest. Insurance companies can not be fooled – that must be clear to everyone when he makes false statements in the insurance application. Who fails, for example, a complete life and a severe illnesses, will get big anger, because the family will not get any money if the fraud blow the whistle. It is no matter whether the cause was or not the reason of illnesses in the event of death – the insurance will step back of the contract.

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