You should opt for a life insurance policy. If your finances allow it, you should also get health insurance and home insurance. This way you could save yourself from any sudden financial crisis. However, you need the best of people when it comes to an insurance adviser. In this article, we will guide you through five steps to hire the best LIC advisor in Delhi.
1. Always prefer a certified adviser
Your insurance adviser must have the appropriate certification from the Insurance Regulatory and Development Authority (IRDA). This proves that he/she is not there to trick or scam you. Additionally, the guidelines set forth by this agency ensure that you are protected on all fronts. If a person is not IRDA certified, he legally has no right to advise people on insurance. He may end up in jail. Therefore, before selecting an agent, make sure they have all the necessary certifications.
2. You must end investment solutions.
You need to understand that insurance agents are much more than just a salesperson. They must have a proper understanding of financial planning. They must be equipped with all the necessary information about the financial world, both nationally and globally. More importantly, your LIC counselor must have a proper understanding of your family and financial situation. This way he can suggest the best insurance for you. It is recommended that you first develop a good friendship with the adviser and only then allow him to enter your financial realm.
3. You must have a complete understanding of the product you want to sell.
The insurance advisor must have a thorough knowledge of all the insurance policies that your company markets. You should sit down and have a long conversation with him about the pros and cons of various policies. He must understand that all insurance companies sell many policies. Not all policies are designed for you. Your insurance adviser should suggest the best policy for you after understanding your family and finances.
4. The follow up?
It is a cheap insurance adviser if you forget after you have bought the insurance policy. This is not what a responsible adviser does. Even after you’ve purchased the policy, you may still have many unanswered questions. He/she should update you on the premium for the product and all the necessary details to get the most out of your insurance.
5. It Should Help You While You Comply With Your Claim
When a claim arises, an adviser plays a very important role. He is the only contact person between the insurance provider and the policyholder. He must understand all the formalities that need to be fulfilled for a successful claim. If your claim is denied, there was no point in opting for that insurance policy. A good insurance advisor will be by your side when you need it most.
