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Insurance, my next door neighbor was often offering insurance. But I was never interested. I think they just wrote the promises ... Yes, some of you might think that insurance can only deliver these promises without any proof. However, have ever prove it? If not, maybe you should take out first, prove whether the new insurance company are indeed broken a promise or not.

Insurance company cases that broken promise should be seen case by case, do not be generalized. That is, not only because of the insurance company did not keep their promises, then you consider all of insurance company are not right. Failure to pay the insurance money by insurance company can be many reasons, such as :

ERRORS FROM CLIENTS

Not all failures are caused by the insurance company claims payments. It could also cause by the clients itself. Generally there are five mistakes that could cause clients insurance not paid:

1. Clients Dishonesty

Before someone has a life insurance, you first they must complete the Application Letter Insurance. In the apps there are questions to be answered by a prospective customer, and from the answers the insurance company will see whether it will provide life insurance protection for you or not.

Well, when filling out the apps sometimes the prospective customer does not give the correct answer. For example, there are questions about whether you had been treated in hospital within two years. If you answered no - but never admitted to hospital six months ago, for example - then if it happens on your death and insurance company found that the cause of your death is due to a disease that once made you enter the hospital about six months ago, well ... do not expect the insurance company pay up what they promised.

2. The exclusion by the insurance company to pay the sum assured

Sometimes the insurance company does not provide benefits that they promised when your cause of death is excluded (and the exception is written in the policy). Regarding these exceptions, generally the insurance company set the number of exceptions vary. However, generally are:

1. Deaths due to suicide

2. Death because the person committing a crime

3. Deaths due to AIDS

4. Death due to critical illness, where death occurred in the first year she joined the insurance program of the insurance company in question

5. Deaths due to force majeure, or things that can not be avoided, such as war, natural disaster, or riot

Well, often the exemptions contained in the policy was not read by the customer, so that they felt aggrieved when the sum assured is not paid. Therefore, if you have the insurance policy, read the articles contained in the policy.

3. Client is too old to make a claim

Generally, the insurance company set limits for filing an insurance claim. Typically, the time limits specified is three months. Fuss, customers often make a claim outside the time limit, so the insurance company is difficult to paid.

For example, your husband follow a Life Insurance program with you as his heir. In the event of death of your husband, then you can only get insurance benefits that were promised when filing your claim is within three months after the death. If not, insurance companies may not want to give the benefits they promised.

Now, how can you know the time limit given by the insurance company for claim? You can read it on your insurance policy. After that, if true then there is risk of death, immediately submit his claim to the insurance company.

4. Incomplete filling claims

Insurance company usually ask a number of requirements when filing a claim. Requirements are often not met or completed by the heirs of the customer, so that the insurance company would not be directly pay their claims.

Typically, the requirements demanded by the insurance company if you want to make a claim of death are:

1. Death Certificate

2. Letter from the Police (if death occurs due to an accident)

3. Certificate from the hospital (if death occurs in hospital), where the letter was signed by the doctor concerned

4. Claim Form issued by the insurance company

5. Photocopy of heirs identification

So, if there is risk of death, do not forget to fulfill all the requirements demanded by the insurance company.

5.Failure to pay by the customer within a specified time period

This is obvious. If you do not pay premiums according to the specified time period, it could be your insurance policy becomes void. This means, you are no longer covered by insurance. This is what often happens. In the early days, customers pay a premium diligently, but at a certain moment, the premium is no longer paid, even up to a certain time limit. This is the same as when you use electricity and do not pay within a certain time limit, so your electricity disconnected.

Therefore, make sure you know the rules of your premium payment. Do not let your insurance policy become invalid just because you forgot to pay the premiums on time.

ERRORS FROM INSURANCE COMPANY

Apart from the customer side, failure to pay the insurance money may also be caused by errors caused by insurance company. There are several actually, but a common are only two:

1. Insurance Agents dishonesty in presenting insurance products

Your insurance agent can be dishonest in presenting his life insurance products. For example, when met, they said that the insurance company would pay for Insurance when deaths caused by critical illness, including when the risk occurs in the first year. Though generally not the case.

Indeed, not every insurance company has the same policy. So my advice, what you see in your insurance policy is what should be a reference, rather than what is said by insurance agent. Generally, the insurance company provides a kind of Money Back Guarantee if you find that you are not satisfied with the articles contained in the policy. You can return the policy, and your money will be returned. Of course, during the return policy that is within the specified period set by the insurance company, which is usually 30 to 90 days.

Then, are all insurance agents can not be trusted? Off course not. That is right back to the person. Do not because there is one agent who 'doesn't right, then you equate all insurance agents in the world is not right. Once again, it all returned to their respective characters.

Well, to prove whether a given presentation Life Insurance Agent's right, you just match it with the insurance policy issued. If tit is same, meaning your insurance agent was honest and trustworthy. If not, report him to his Insurance Company.

2. The company is recalcitrant

If you find that you meet all the requirements requested, to be honest in filling apps, diligent to pay premiums, submit claims submission is still within the specified time period, but you are still not paid, try to check again. It could be a recalcitrant company.

Next, how is the solution? Say it to Social Network. Hopefully your insurance company will notice and immediately pay your claim.