People tend to move familiar, stereotyped scenarios of behavior on all activities which life forces them to do. For example, many people think about buying a disability policy like about purchasing a lap top. Choosing a lap top, you rummage about Internet shops, read information about propositions of different shops of technics, where machines with […]
People tend to move familiar, stereotyped scenarios of behavior on all activities which life forces them to do. For example, many people think about buying a disability policy like about purchasing a lap top. Choosing a lap top, you rummage about Internet shops, read information about propositions of different shops of technics, where machines with identical characteristics can have big enough difference in price. And, of course, choosing that model, which is better and cheaper, we become completely happy and will not regret about it. Many people take the same approach to a problem of obtaining disability policy, they try to find a cheaper policy, without understanding that such stereotypic behavior doesn’t work in this case.
You should understand that insurance companies have absolutely different systems of work, according to which there are no differences in base prices of policy, and searching for new agents, you will change nothing. If your agent guarantees you the possibility to reduce the price or to find for you the cheapest variant, he is an unashamed speculator. Don’t look forward to save money, you won’t have the possibility to do this, and in any case you should not expose to danger financial position of a disabled person, especially, if this person is you. Find good agent, being guided by information about his reputation, instead of false promises of abatements. Consult those people, who already bought disability policy, they will verify our words.
You need a good agent, because he can help you to understand nuances, which often put inexpert people in a no-go situation. First of all, there can be a big difference between the sum of money, which you will pay, buying the policy and the sum, which insurance company will pay you back according to positions prescribed in contract. Don’t think that they are always equal, be censorious to details, analyse everything. Pay special attention to provisions and definitions. We mean that you should grasp the meaning of disability, which is in the contract of insurance policy, which you want to buy. In one policy which, naturally, has higher price, this is lack of ability to do some concrete type of work, and in the other, which is cheaper, of course, will be written about a disability to do any kind of work. So, striving for cheapness can cause big problems, when you understand that you can get your money only in the case, if you become a bed patient, who is incapable of any activity.
Ask one of our skilful agents to give you advice, they know everything about disability insurance and will help you not only to buy policy with comfortable and safe conditions, but also will help you to avoid reefs which can be shown in the future when state of your health can change.