Do you have current insuranceare you sure with this type of insurance you choose today, would be able to guarantee the life of your current and your future
 

I will give you a little advice on how to properly choose the type of insurance and at the same time it is certainly beneficial for you, may be useful for you 

1. Reinsurance
Reinsurance can easily be interpreted as his insurance company insurance company. This means that the insurance company in its operations; to reduce the risk that could happen to him, also insuring the risk to other insurance companies. And usually a larger company. So consider this, ask if the insurance company that you will take have a reinsurance company. It's important when something unexpected happens to the insurance company of your choice, there are other companies that had reinsurance companies that guarantee the continuity of both the protection of your rights and obligations of your premium payments. It's also important you have to know the management company so that if anything happens, you can still get information.
 

2. Age
"The older age should be more mature person."Although it seems too cliche, but it must be admitted insurer berpengaruh.Sebuah sufficient age older than the other companies could mean that the insurance company has a strong enough capital so that up with a fairly high age still exist. It also describes how to manage the fund management clients. With the older the age, may mean that the company is able to optimally manage the funds. Whether it's to get the results for corporate development and risk management are scalable to ensure customers' rights. Because the logic of it, where perhaps he can last longer if you can not manage its finances well.
 

3. Finance
When talking about financial firms, not complete if you do not talk about finances. In banking we are very unfamiliar with the measurement of bank health that his name CAR. And the financial soundness of insurance used to be measured by the RBC or Risk Based Capital. RBC levels that could be considered healthy when the RBC is greater than 120%. But of course, the greater must be the better. Compare this in choosing an insurance company because RBC is a portrait of how the company manages its finances well and safely as possible. Because it must be remembered, if we take out insurance then we will talk about long-term contracts.
 

4. Customer
The fourth thing that can be used as a reference is the client. Estimating how much the customer base they still have? Its size is that more customers the better was the insurance company. Why is that? because of the increasing number of customers will show how the level of service that has made the company. It can mean how attention to customers, ease of claims and of course the security of the entrusted funds.If you would prefer foreign insurance companies operating in Indonesia, also ask how many clients locally owned and spread over how the city. This is important because it could happen even outside of their country into confidence; but in Indonesia they are lacking. And the deployment also shows how the extent of the services they provide. Rate of spread is important, especially for those of you who choose health insurance. Because it's not funny when a trip to a city and you're sick, it should be returned to the city of origin to mere hospitalization.
 

5. Complaints / Complaints
In addition, this may be you do. Always cross check to the outside of the plan of your choice. The main parties should you contact the customer if possible, to link third parties such as banks or hospitals if it is health insurance, and did not rule it's good of you to ask your independent financial planner. For it is better to receive input from many sides than from the one side, especially when one side only of the company.
Or if you want easy, just look at how many customer complaints that carried them in the mass media in the last 6 months. Because of the many people who normally complain, about 20% is usually expressed in the mass media be it newspapers or the internet. Today I typed keyword + insurance complaints, then I get is more than 5000 articles that contain the word insurance + of consumer complaints against insurance companies. So do not be lazy to compare.
Finally, just as the selection of other goods or services, you all should have a solid foundation in making choices. The main one is indeed always choose products that suit your needs. But that was not enough. Select also the right company that provides goods or services. Although the provider of the goods is nice but not good either useless. So from now on can no longer choose the insurance company simply because the seller knows much less because they feel bad for not buying. Minimal compared to 5 of the above as reasons for selecting or rejecting them.

Taken from various sources