Kathmandu. Before choosing a life insurance company for life insurance, you need to pay attention to some things. Choosing a life insurer doesn’t mean choosing the most advertised company. Try to answer these questions before selecting a company for life insurance:
दाबी Payment Ratio: ###inline_tags_PLACEHOLDER_3#
How often do they actually pay? Companies with a higher proportion of more than 95 percent are generally considered good. Such a ratio provides the basis for reliability that the company you choose will easily pay at the time of claim payment.
वित्तीय Ability:
It measures the insurer’s ability to meet long-term liabilities. According to the criteria set by the Nepal Insurance Authority, the solvency ratio should be at least 1.5 times. That is, the insurer should have one and a half times the assets of the insurer.
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Some providers specialize in term insurance plans. Some may have achieved term insurance and some may have achieved specialty in the pension insurance scheme. Choose by comparing the features, riders (riders), and flexibility according to your needs.
ग्राहक service and support: ##inline_tags_PLACEHOLDER_3#
From issuing insurance to claim payment, what is the situation? Check reviews and even try their helpline or app—are they responsive? Find the answer.
बीमाशुल्क Rate:##inline_tags_PLACEHOLDER_3#
Don’t just follow the cheapest insurance rates. Also know about the insured bonus rate offered by the company. Also compare the claim payment ratio, what is the level of customer service. On the other hand, sometimes even a slightly higher insurance premium offers better returns or wider risk bearing.
Whether you are buying your first plan or reviewing old insurance, choose an insurance company that is not only financially strong, but also committed to being present there by extending a helping hand when life takes an unexpected turn. Because when that moment comes, you want to keep your family safe. Source: PolicyBazaar
