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How to Deal with a Insurance Policy in the Agent's Absence


Your life insurance adviser is a highly qualified and specially trained individual, who not only helps you in selecting the most appropriate policy but also facilitates customer service and claims disposal.

Your life insurance adviser is a highly qualified and specially trained individual, who not only helps you in selecting the most appropriate policy but also facilitates customer service and claims disposal. Your agent benefits you by breaking down the complexities and facets of an affordable insurance cover that addresses all the risks that you are subject to, while meeting your short term or long term insurance goals.

They can also use their experience to mix and match riders and tailor personalised solutions. They create assets both for the insurance firm and the policy holder, while taking service delivery to your doorstep and looking out for your best interests.

So, what do you do when your agent is not around to help?
Most people think of their life insurance policy only when the time for renewal arrives or when they come across a problem. While some may be diffident by nature, human behaviour, in general, is geared to work more comfortably upon seeing a familiar face. We are also habituated to fear something going wrong if we fill up legal paperwork ourselves, no matter how small and simple the detail may be.

But in today's rapidly paced environment, consumers are best benefited by rediscovering self-sufficiency. You can make your interaction with the insurance firm smoother and glitch free by maintaining a few simple practices yourself.

  1. Maintain Documents: Organising paperwork is the key to quick disposal of queries, corrections and claims. Always keep your policy documents, receipts of premium payments, communications sent by post in one neat folder or cupboard, so that not only you but your family can access them when they need to fill a claim in the event of a mishap. Important details, such as your term insurance policy number, should be separately noted down along with maturity and renewal dates.
  2. Update all Information with your Provider: All details regarding your name, age and address should be maintained correctly as mentioned in your policy document. Convey any changes in these fields as soon as possible to avoid delays and misunderstandings later.
  3. Be Open to Different Payment Options: As a matter of routine or due to the apprehension of mistakes, we might use just one payment mode to make payments towards charges by the insurer. But in this age of advanced communication, SMSs, emails and scheduled reminders, you are provided with detailed instructions on how you can use different methods to make that transaction. It would be helpful if you learned the more convenient ways.
  4. Online Management of Life Insurance Policy: It is safe, convenient and error free, if you can manage simple modifications to your account online. Payments are also protected with multiple layers of security, including user names and passwords.