Life insurance 

How to select your insurance advisor?

You must opt ​​for a life insurance policy. If your economy allows it, you should also take out medical insurance in addition to home insurance. This way you will be able to save yourself from any sudden financial crisis. However, you need the best of people when it comes to an insurance adviser. In this article, we will guide you through five steps to hire the best LIC advisor in Delhi.

1. Always prefer a certified advisor

Your insurance adviser must have the appropriate certification from the Insurance Regulatory and Development Authority (IRDA). This shows that he/she is not there to trick or scam you. In addition, the guidelines established by this agency ensure that he is protected on all fronts. If a person is not IRDA certified, he has no legal right to advise people on insurance. He may end up in jail. Therefore, before selecting an agent, make sure that he or she has all the necessary certifications.

2. You must be done with investment solutions.

You must understand that insurance agents are much more than just a salesperson. They must have a proper understanding of financial planning. They should be equipped with all the necessary information about the financial world, both nationally and globally. More importantly, your LIC advisor must have adequate knowledge of your family and financial situation. In this way, they will be able to suggest the best insurance for you. It is recommended that you first develop a good friendship with the adviser and only then allow him or her to enter your financial realm.

3. You must have complete knowledge of the product you want to sell.

The insurance advisor must have a thorough knowledge of all the insurance policies that your company markets. You should sit down and have a long talk with him about the pros and cons of various policies. He must understand that all insurance companies sell a lot of policies. Not all policies are for you. Your insurance adviser should suggest the best policy for you after understanding your family and finances.

4. The follow up?

He is a cheap insurance adviser if he forgets about you after you have taken out the insurance policy. This is not what a responsible adviser does. Even after you’ve purchased the policy, you may have many questions to answer. He/she should tell you about the premium for the product and all the necessary details to get the most out of your insurance.

5. It must help you while you comply with your claim.

When a claim arises, an adviser plays a very important role. He is the only contact person between the insurance provider and the policyholder. She must understand all the formalities that need to be completed for a claim to be successful. If your claim is denied, there was no point in opting for that insurance policy. A good insurance adviser will be there for you when you need him most.

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