I decided already for someone else in the last weeks EMails from prospective customers, who briefly communicated via EMail, that you want any more advice, that you have decided for a contract were often. The one or other has decided for price reasons to retain his existing contract or to complete any. With some prospects, I talked again in the second. Often, statements such as “I know the representatives for many years, and so far I have had no problems”, “The contract is evaluated well” or many other arguments were. Want to let us first the facts. Actually what to buy with his signature with the insurer? Who pays off in the end? What principles serve to regulate the contract? How important is a rating? With your signature you buy only the treaties the GCI (General insurance conditions). These form the basis of the contract between you and the insurer. Any contractual services you need from the General insurance conditions and may refer to existing conditions.
Later, you can not add missing services! The insurer is not obliged to provide you with services, if these are not contractually agreed. Periods never provides the calculation of an agreement. Any periods are paid at the expense of the insurance community and often lead to premium adjustments in health insurance. The calculations of contributions will no longer fit in the disability insurance. VVG (German insurance contract law), to ensure the continued feasibility of services would follow the adjustment according to 163.
It’s always nice to have an intermediary site that puts you with lots of honey around the mouth and tell you how great their product is. Statements such as “trust me” are worth nothing. Who pays the benefits under the contract at the end? The agents on the ground or the insurer with which you have signed the contract legally? How often is sold outside rating, test judgments and other colorful pictures.