How do I select COMPANY

Already have insurance?
Why choose an insurance company that?

Some time ago a client I menyodorkan an insurance policy that has taken him to me.
"Mr. Eko, I like I take insurance, as Mr. Eko suggest, I select the appropriate insurance to the needs of my life insurance plus the investment. But whether this good company asuransinya Pak? "

I answer the questions to ask the client also:
"Loh, So basically what you choose this company? what you have to ask the seller? "
"Wow I like that happens because my neighbor is selling pack, so if there is something I can complain to him" Answer the client without feeling guilty.

Maybe my client is not entirely wrong. But to say that it is 100% correct are still very far away. Pemilihannya make a purchase through the seller who has been known in this case tetanganya is quite good. However, should the client must also know whether the neighbor is an insurance company employees or just an agent? if the client was only an agent, my client should have to find out before whom the management of insurance companies that can most easily contact him. For an agency does not usually have a flat-bound employees. This means even though they are part of the company, most of their work is only related to the sales only. So, for that is administrative, management remains kantorlah authorities. Not to mention the status of several agents who are not permanent, and this means they can only go out or move more easily. So the client should also make contact with the management of insurance.

Ok, we will not talk about work or marketing agency. However, in more than that, how do we choose an insurance company? only based on whether the agent who sells? Or what should you perbandingkan at each insurance company when disodorkan preferred by more than 1 insurance company?

1. Reinsurance

Reinsurance can be easily defined as an insurance company to its insurance company. This means insurance companies in operational activities; to reduce the risk that can also happen on, to insure the risk to other insurance companies. And usually larger company. So watch this, check whether the insurance company that will take your company has reinsurance. This is important if there is something you do not want to insurance companies of your choice, no other company that is retroactive reinsurance companies that guarantee the rights of both you and the obligations on the protection your premium payment. It is also important you need to know the management company so that when something happens, the information can still get you.

2. Age

"The old age should be someone more mature."
Although it seems too cliche, but it must be recognized enough berpengaruh.Sebuah age insurance companies that are older than the other companies could mean that the insurance company has a strong enough capital so that up to the age of high still exist. It also describes how to manage the fund management customers. With the old age, may mean that the company is able to manage the fund with the optimal. Whether it to get the results for the development and management company that measurable risk to ensure the rights of customers. For a logic course, which may be can he survive long if not well set financially.

3. Finance

If you talk about financial companies, is not complete if not talking about financially. In banking we have been very common with the measurement of health for the bank CAR. And the level of health insurance was measured with the usual financial or RBC Risk Based Capital. RBC level that can be spelled out is healthy when RBC is greater than 120%. But of course, surely the greater the better. Compare this in choosing an insurance company because of this RBC mengambarkan how companies manage the financial and safe as possible. Because keep in mind, if we take the insurance we will be talking about long-term contract.

4. Customer

The fourth case can be made by reference is the client. Barapa a large customer base they have? What size is the more customers the better-then it is an insurance company. Why is that? because the number of customers will show how the level of service that has made the company. This can mean that attention to how customers, ease of claims and of course the security of trust funds.
If you choose the foreign insurance companies operating in Indonesia, also ask how many of the local customers and spread in the city. This is important because it can only occur outside the country even if they become beliefs, but they are less in India. And the level of the distribution also shows how the extent of the level of service they provide. The distribution level is especially important for you to choose the health insurance. Because if not risible in a trip to a city and you get sick, that must return to the city, home to just Inpatient.

5. Complain / complaint

In addition, it is possible you can do. Always do a cross check to the outside of the plan of your choice. The main parties should contact your customer is, if possible, a third party such as a central bank or a hospital if it is health insurance, and does not close the possibility of it you have to ask the independent financial planner you. For a better receive input from many sides rather than from one side, especially if it is only one side of the company.

Or if want easy, cermati just how many customer complaints that they do in the mass media in the last 6 months. Usually because of the number of people who complain, usually about 20% of the mass media in revealing both the Koran or the Internet. Today, I typed keywords + insurance concerns, then I get is that more than 5,000 articles containing the word insurance + complaints from consumers against companies asuransinya. So do not compare to males.

Finally, the same as the selection of goods or other services, you all should have a strong base in the selection. The primary is always select the product that fits your needs. However, it is not enough. Select the correct company that provides goods or services. Although the goods but it is not the good also useless. So do not start again this time selecting an insurance company to know just because the seller does not feel especially because it does not buy as well. At least 5 compare the above as a reason in choosing or rejecting them.