Kathmandu. Insurance is understood to be a verbal means of transferring risk. However, in recent times, extreme examples have been found of comparing insurance with bonus. Whenever an agent offers insurance to someone, their question is, how much is the bonus? But in reality, insurance is a means of transferring risk. Insurance protects property and human life. Therefore, it is appropriate to look at risk coverage rather than bonus in insurance. Just as interest is earned when you keep money in a bank, bonuses are also definitely earned in insurance companies. Moreover, insurance provides benefits in a dual role.
On the one hand, insurance covers the risk of human life and physical property, and on the other hand, a lump sum is also returned after the insurance period is completed according to the savings and the prescribed bonus. Therefore, it is necessary to insure by considering the protection coverage rather than the bonus rate.
Recently, insurance providers have been arguing that there is no benefit to insurance when going to the customer to get insurance. When keeping a lump sum in the bank, there are many people who compare the interest rate offered by the bank on a monthly basis and the bonus rate offered by insurance companies. In their eyes, the interest rate offered by the bank is more reasonable than the bonus rate offered by the insurance company. For this reason, the insured seeks equality in the bonus rate offered by the insurance company, such as the interest rate offered by the bank.
On the other hand, when depositing money in a bank, the depositor receives only an interest rate based on the amount deposited, but when insuring with insurance companies, a lump sum amount is returned along with the bonus rate, as well as various services and facilities, including risk bearing, bonus rate. When insuring, it is necessary to insure for risk bearing rather than bonus rate.
Insurance covers people of all ages, levels and classes. There is no age limit for insurance. Insurance can be taken on the basis of the premium you can pay according to your income source. People’s lives are uncertain, you never know when a risk or future may arise. Considering the various risks and uncertainties that come in our lives, life insurance is a must for everyone.
Recently, people have been looking for a good bonus rate for insurance. But while insuring, it is considered appropriate to insure by considering the risk coverage rather than the bonus rate. Insurance is risk transfer. Insurance is an appropriate means of dealing with future crises. There are ups and downs in every situation in a person’s life. No risk comes into a person’s life by playing a bell and suggesting it. Therefore, it is appropriate to insure by considering the future risk coverage rather than the bonus rate. Insurance is indispensable for everyone to face future risks and challenges. Therefore, everyone needs to insure by considering the risk cover rather than the bonus rate.
