According to Article 1 paragraph 10 of Law No. 2 of 1992, an insurance agent can be defined as a person or legal entity whose activities provide services in marketing insurance for and on behalf of the insurer (insurance company).
Choosing insurance alone can certainly be confusing, that's why insurance companies deploy agents. Agents can also help with the claim process or use of the insurance products they have purchased.
So what should we prepare before we meet an insurance agent? Let's see the review below.
Explore and understand agent responsibilities
Check the track record of the insurance agent who meets you because the relationship between an insurance agent and a customer is truly long-term.
Agents are not only the spearhead of insurance product sales, but will also be the bridge between customers and insurance companies. They are also the ones who will later assist in all claim processes.
With the help of an agent, you can certainly get an insurance product that suits your needs. Therefore, do not hesitate to ask and dig up information about the insurance product.
Explore and understand agent responsibilities
Check the track record of the insurance agent who meets you because the relationship between an insurance agent and a customer is truly long-term.
Agents are not only the spearhead of insurance product sales, but will also be the bridge between customers and insurance companies. They are also the ones who will later assist in all claim processes.
With the help of an agent, you can certainly get an insurance product that suits your needs. Therefore, do not hesitate to ask and dig up information about the insurance product.
Be open about your finances
Don't hesitate to be open with your agent about your current financial situation. Ask for product recommendations that match your financial capabilities and can provide maximum protection.
You should know that there is no standard formula or ideal calculation regarding the amount of premium based on your income. However, to ensure your finances are safe, just allocate a maximum of 15% of your monthly income for insurance premiums.
Don't lie about your health condition to the agent.
In insurance, there is a process called underwriting. Underwriting can be defined as a process to assess and classify the level of risk of the insured and make decisions regarding risk acceptance.
It is imperative to be frank and honest about our current medical condition to the insurance agent. Do not lie because it can complicate your claim process in the future.
Be critical of what they offer
Be more critical when insurance agents offer their products to you. Ask for a complete explanation of the benefits of the coverage in detail, the duration of protection, and so on.
Don't hesitate to ask for a more detailed explanation regarding the product you want to buy, starting from the benefits and so on, to the claims process.
If you buy unit link insurance, you also have the right to ask for an explanation regarding the investment placement in your insurance.
Don't hesitate to refuse
There are many cases in the field that tell how someone was forced to agree to an insurance offer because they "didn't feel good about the agent." Or even worse, "bought because it helped the agent to close."
This is generally caused by a friendly or brotherly relationship between the agent and the customer.
Know that buying insurance must be based on needs. And insurance is an expense that you must pay routinely every year.
Buying the wrong insurance can result in losses in the future.
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