Let's know [jaetekeu Q & A] Up Insurance

[Korea heogwahyeon financial newspaper reporter] 1. Often hearing a lot of talk about the saw and joined an insurance loss of principal. Why?

Then I hear a lot of talk. However, in some cases, even if I receive much more than I figured claims. So basically, it receives insurance insuring against risk in order to get big money in the future. So if you like car insurance, but insurance is a waste without incident inside is presumably thought, you might not get the reward later after a serious accident at ease. So insurers zest also sign up for insurance in order to do so, Sometime the cost of such expenses. Therefore, if you cancel in the middle of the view also that the principal damage costs hanikka not get returned.

2. This type of insurance is also lot, depending on register each one is different from the conditions getneyo insurance?

That is correct. Itguyo insurance protection-type insurance is largely going to receive to subscribe ensure that risks do not know how much lift when I woke up this big deal in the future, such as illness or death. Another is the attempt to raise the life savings insurance to subscribe funds in preparation for lump sum retirement than those provided or guaranteed. But I do not have insurance that meets once in two small premium. To do so requires premium is not like a lot. So you need for self-tuning income.

3. So specifically what criteria should you subscribe to when you signed up insurance?

The most important thing I will clarify the purpose to join. So when you sign up for the insurance that we'll know for sure whether what is against. But I can clearly see how it is with me all the terms. But agreement is difficult to say even small letters doejiyo anboge well. Even so, that at least some assurance, and by all means should be aware of is the payment andoeneunji in some cases. So what is it, if not agreement to pre-notify profusely product documentation or ask the designers of registration, the conditions to notify Once that is understood clearly what saenggipnida not later dispute.

4. It's going good lately there are a lot of shopping in the insurance do not ask?

Insurance is not free. Except for the costs of collecting the premiums paid to the insurance system is the number of people in the operating funds. So do not ask insurance itjiyo advantage is that even without asking medical history or age, premiums also go up. However, this condition will be relatively limited and even receive a great reward. So it does not already subscribed insurance and duplication, and the need and terms of payment of the insurance Observe the correct means to me.

5. Is there any way aneunde so easy even a better sign up for insurance?

The most important thing that could be going to my insurance premiums for more than 10 years the amount of compensation, not much is. Because if such is life insurance you may find even after five years in the middle 70% did not find the principal. Therefore, how to save, while the premium subscription required insurance, you might want to subscribe to divide rather than being guaranteed by any one insurance. So would you care for the disease and join a separate insurance for savings. So that premiums are cheaper. And also because of the large differences by insurance companies to have better comparison of each product, how it is the basic information that can be compared in that type 'Fine' in the portal site. The site can be utilized in the management believes hanikka Financial Supervisory Service.





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