Know the characteristics of personal insurance

Do you know the characteristics of personal insurance? Or perhaps the most direct question would be: Do you know what personal insurance is? They are those that have to do with caring for the physical integrity of people in the face of external threats that have to do with your life.

       Within this group of insurance you can name accidents, chronic or terminal illnesses, medical assistance as well as life insurance to leave your family an asset that improves their quality of life in the event of your person's premature death. 

        Remember that this is insurance that stipulates what may happen to your physical integrity or health since no one escapes getting sick even though it is about leading a calm and healthy life that does not end up deteriorating our family and social relationships.

Main characteristics of these insurances

        The characteristics of personal insurance They are very important because they address more than the entire purpose of the policy and the needs that the contracting party wishes to contract. Therefore:

  • The life of the contracting party is not valued but what he wishes to leave to his family is the insured capital.
  • If the person becomes disabled, it must be stipulated whether they want the full amount of the policy or in monthly installments to maintain themselves.
  • What is insured is the life of a person, so the good we are talking about is the client who takes out the insurance.
  • The health and well-being of the person who contracts the insurance is guaranteed.
  • The client must be informed of the coverage that can be associated with their account in addition to the premiums to be paid.
  • The beneficiary of this insurance are the direct family members of the contracting party, children and wife, not including parents.

The purpose of taking out personal insurance

        People are not immune to suffering different types of accidents where they can lose their lives or even become disabled for life and stop being active in their jobs, so it is important that they know the characteristics of personal insurance  be clear about it.

        These accidents occur without prior notice, so you must be informed of everything that can benefit you in terms of leaving something good for your family's quality of life, as well as ensuring the opportunity to have a pension for life in case you have to. living with a disability.

       For this, insurance companies do not like to lose very much, so they are always attentive to factors that may prevent a clean and safe process, among which we can mention age, physical condition, job, profession, among many others. .

        Thus, interviews and tests must be carried out prior to signing the contract that stipulates the coverage that must be contracted according to the evaluations that the company makes of the person who wants to take out personal insurance.  

 

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