Modern life is full of dangers: illness, accident, job loss, disasters and more.No one is immune, and in the event of serious problems not help everyone, so it is better to insure yourself.In the insurance market operates huge number of companies that offer a wide range of services, various insurance premiums and conditions - sometimes difficult to determine.Before you choose an insurance company, you need to understand that this is a process in general.If you do not know, we'll help you.
insurance originated long ago and initial premiums were marketable and non-monetary in nature.People always knew that losing just acquired, and better pay than be left with nothing.Nowadays, insurance has become an independent economic institute, where the companies themselves determine the amount of insurance premiums and insurance contract terms.If you say a simple and understandable language, the insurance cover losses incurred by the customer, based on the type of contract and the amount of it.
Insurance contributions - are payments paid by the insurer under the insurance contract.Subsequently, these amounts formed an insurance fund client.Each insurance company sets its premiums, the rates of which are calculated by the analysis.This takes into account: the possibility of the insured event, the insurance period, the total amount of insurance, age and position of the client.All this is a very complex process, so that each insurance company is trying to make conditions more favorable for themselves.
Insurance performs key functions in a modern economy.Savings function like bank deposits, promotes the accumulation of funds to customers.This means that at the expiration of the insurance contract all of the accumulated premiums can go back to the owner, unless an insured event occurs.The warning function helps to prevent insurance claims, for example, the company may conduct among its clients medical examinations to prevent serious illness.The control function ensures the safety of assets constituting insurance premiums, and use them only when the insured event, spelled out in the contract.
main types of insurance: insurance of property (houses, flats, freight, business), personal insurance (health, pension, life insurance, individual going abroad), liability insurance and insurance-specific risks.
consider the persons involved in the insurance process:
- Insurers.These are companies and organizations that are licensed to conduct insurance business, and to work with clients on a commercial basis.
- Insurers.First of all, we, the customers of insurance companies.Policyholders enter into a contract with an insurer paid the agreed premiums, and receive compensation in the event of an insured event.
as customers - payers of insurance premiums - can act as follows: companies and organizations, individual entrepreneurs, and individuals.If one person acts as the payer of several categories, the payment is made individually.The size of insurance premiums is regulated by the state and can change during the year.
Insurance - guarantee of a successful future for everyone.Insure your home, car, health or anything else, a person can be sure - if you have problems it will be to turn to.The entire civilized world to pay premiums, insures his property, and other expensive things, to always have confidence in the future.Everyone can identify with convenient conditions for themselves, the kind and amount of insurance.A variety of companies and firms makes it possible to select.You should not hurry, it is better to think several times and calculate, and only then enter into a contract.Give yourself peace of mind and enjoy life, you can be sure that their loss you can always return.
