Agencies, which constitute one of the main sales channels of the insurance industry and act as a bridge between insurance buyers and those who want to buy insurance, are at a crucial point, fulfilling many important functions. Insurance agents help customers choose the insurance policy that best suits their needs and budget. Making the right decision between different insurance types, coverages and options can be complicated. An agent evaluates a customer's specific needs and recommends the most appropriate policy. The insurance purchasing process often involves a series of documents that are complex and require technical knowledge. Insurance agents guide customers through this process, organize the necessary paperwork and process applications. Generali Sigorta, which serves its customers with its 150-year-old history, compared the policies offered by different insurance companies and explained the questions to be asked and the issues to be consulted to the agencies that help customers get the best price and coverage.
Which type of insurance policy is best for me?
You can explain your lifestyle, financial situation and special needs to your agent and ask them to determine the most suitable type of insurance for you. For example, car insurance protects against traffic accidents or vehicle theft, while health insurance covers your medical expenses. You can consult your agent for all the details about the insurance that is suitable for you.
How long will the insurance policy be valid?
You can ask how long the policy will be valid and the renewal conditions. This will guide you as to when you should renew your policy. Your agency will inform you about the duration and scope of the policy according to its details.
How much will the insurance premium be and what are the payment terms?
You can learn from your agency the amount of insurance premium, payment frequency (monthly, annual, etc.) and how premiums will be paid. In addition, do not forget to ask about the practices regarding refunded premiums in case of canceling the policy.
Which risks and events are covered by the policy?
Examine the scope of the policy in detail and ask your agent which risks or events are covered by the policy. It is especially important to have a clear understanding of certain situations or events. Therefore, you can get information from your agent about the situations that specifically concern you and how they are included in the policy.
In addition, you can learn from your agency the exclusions in the insurance policy and which situations are not covered. This will ensure that you are prepared and informed if you encounter unexpected situations.
What are the guarantees on the policy?
You should thoroughly understand the coverage offered by carefully examining the contents of the policy. It is important to find out under what conditions and how much compensation you can receive. At this point, your agency will guide you. You can also consult your agent whether there will be any increase or reduction in premiums during the policy period. Having information about how premiums may change in the future will guide you in choosing the right insurance.
Is it possible to update the policy as my needs change?
Considering that your insurance needs may change over time, it will make your job easier to ask whether you can update your policy. This issue becomes more important, especially when there are significant changes in your life, and at this point, policies with flexible coverage will be more suitable for you. You can get the most accurate information about these issues from your agency.
