Iimpawu ze-Agent Dontonest

Uyazi njani ukuba ummeli wakho we- inshurensi okanye umthengisi uyinyanisi? Kungaba nzima ukukwazi ngokuqinisekileyo, kodwa kukho iiflegi ezibomvu omele uzijonge. Nazi iimpawu ezi-10 zokuthi i-arhente yakho okanye umthengisi angenza into engekho mthethweni. Ukuba wenza enye yezinto, kusenokuba ixesha lokufumana i-arhente entsha.

1. I-arhente yakho inogqirha kwaye izama ukukunyusa ukuba uthenge umgaqo-nkqubo ngokukhawuleza.

   Qaphela i-arhente ethi uyadinga ukuthenga umgaqo - nkqubo ngokukhawuleza ngenxa yokuba "le nto ayiyi kuhlala ixesha elide" okanye "i-premium iyakusenyuka." Ummeli wezobugcisa uya kuchaza ukhetho olukhoyo kuwe kwaye akukhuthaze ukuba uthathe ixesha elininzi njengoko ufuna ukuyihlola.

1. I-arhente icaphuna i-premium ebonakala iphantsi okanye iphantsi kakhulu kune-premium yakho yangaphambili.

   Kukho ilizwi elidala lokuba ukuba kukho into ebonakala enhle kakhulu ukuba yinyani, mhlawumbi. Oku kusebenza kwiiprimiyamu zomshuwalense. Nangona iiprayimari ziyakwazi ukuhluka kumnye umshwalense ukuya kwelinye, zivame ukungena kwiindawo ezikufutshane. Yolungela nayiphi na isaphulelo sokuqala se-premium esicacile ngakumbi kunabanye owamkelayo.

2. I-arhente yakho inzima ukufikelela ngefowuni okanye nge-imeyili okanye ithatha ixesha elide ukuphendula kwimilayezo.

   I-arhente esemthethweni iya kuphendula kwiifowuni okanye i-imeyile ngaphakathi kwimihla okanye ezimbini. Kufuneka abe nenombolo yefowuni yebhanki ne-imeyile. Gwema nayiphi na i-arhente ekhuluma kuphela ngefowuni yakhe okanye idilesi yakhe ye-imeyile. Qinisekisa ukuba i-arhente inedilesi yoshishino ngokwenyama, kungekho ibhokisi yeposi.

3. I-arhente yakho inezela iingxelo kwimigaqo-nkqubo ongayifuni, ayifuni okanye ayivumelanga.

   Uninzi lwabathengi kunye nee-ejenti zifumana ii- commissions ezivela kubashurensi kuma-premium ohlawulayo. Iikhomishina zisekelwe kwipesenti yeprayimamu, kwaye ziyahluka ngohlobo lomsebenzi. I-premium eyongezelelweyo oyihlawulayo, ikhomishini ethe xaxa igosa lifumana. I-ejensi engenangqiqo ingazama ukuvelisa i-premium ngokungongeza izibonelelo kumgaqo-nkqubo ongaziceli kwaye awufuni. Khangela imigaqo-nkqubo entsha ukuqinisekisa ukuba iqulethe kuphela iifowuni ozicelileyo. Phonononga nayiphi na isicelo se-premium eyongezelelweyo oyifumana kwi-arhente yakho okanye umshwalense emva kokuba umgaqo-nkqubo ukhutshwe.

1. Xa ucela i-agent yakho malunga namava kunye neziqinisekiso zakhe, ufumana impendulo engacacanga.

   Buza i-arhente yakho ukuba inikeze inombolo yakhe yelayisenisi. Emva koko qinisekisa ukuba ilayisenisi isebenze ngokuqhagamshelana negunya lakho likarhulumente we-inshorensi. Uninzi lweewebhusayithi ze-inshurensi zesebe zinesixhobo sokuqinisekisa ilayisenisi. Ukuba i-arhente ayiyi kuphendula imibuzo yakho malunga nemvelaphi yakhe kunye namava, fumana enye i-arhente.

1. I-ejenti yakho ikuqeshe ngefowuni engaceliweyo okanye i-imeyile.

   Phantse onke amanxeba enza uhlobo oluthile lokuthengisa ukukhangela abathengi abatsha. Akukho nto iphosakeleyo nge-arhente esebenzisa i-imeyile okanye umnxeba ukucela ibhizinisi elitsha. Sekunjalo, kufuneka uqaphele nayiphina i-arhente odibana nayo ngokucela ngokukhawuleza de ube wambethe kakuhle. Buza i-arhente ukuba inike ingxelo.

2. Uhlawule iprojekthi yakho yeprayimenti kodwa i-arhente yakho ayizange inikeze nayiphi na imibhalo yomgaqo-nkqubo.

   Abanye abasebenzisayo abangenangqiqo baqokelela iiprayimali ezivela kubaxumi kodwa ke bagcine imali kunokuba bayithumele kwi-insurer. Qhagamshelana nomshuwalense wakho ukuba uhlawule i-premium yakho kodwa awufumani umgaqo-nkqubo okanye uhlaziyo lwamaphepha kwisithuba esaneleyo (iintsuku ezingama-30 okanye ngaphezulu).

3. Xa i-arhente yakho ithumela isicelo se-inshurensi kubabambiseneli, isicelo sichaphazela ibhishini lakho, sishiye ilahleko okanye siquka ezinye izinto ezingenakucaciswa.

   I-agent engathembeki inokuthi ilele kwisicelo se-inshorensi ukuba ilandele i-insurer yomthetho phantsi kwe-insurer okanye ukwenza ibhizinisi lakho likhangeleke nakwimshwalense. Ngokomzekelo, i-ejenti yakho ibonisa "akukho ilahleko yangaphambilini" kwisicelo xa sele unamabango amabini amabini. Xa umshuwarensi efumanisa inyaniso, ukunyaniseka kwakho kuya kutshatyalaliswa kunye ne-ejenti.

1. I-arhente yakho ikucela ukuba uhlawule iipriyamu ngokubhala iireki ezihlawulwa kuye.

   Naliphi na iintlawulo ze-premium ozenzayo kufuneka zijoliswe kwi-insurer. Ukuba ushiya nayiphi na intlawulo kunye ne-arhente, qi niseka ukuba ufumane irisidi. Musa ukwenza iitsheki ezihlawulwa kwi-arhente.

2. Iinkcazo zezahlulo ezibonakalayo kwiimfanelo zakho okanye umgaqo-nkqubo wokuhlawulela abasebenzi awubonakali ngokuchanekileyo imisebenzi yakho yezoshishino.

   Amanye ama-arhente okanye abadayisi baya kukwenza ngokungafanelekileyo imisebenzi yakho kwisicelo. Ngokomzekelo, cinga ukuba unomsebenzi wokuhlamba. Inkampani ye-inshurensi ye-XYZ ayiyi kuqinisekisa ukuba uphahla. Kwisicelo sakho somgaqo- mbopheleleko we-arhente yakho idibanisa imisebenzi yakho njenge-Drywall ne-Wallboard Installation. Ngenye indlela, i-arhente yakho inceda ukuzalisa isicelo somgaqo-nkqubo wokuhlawula abasebenzi . Ubonelela ukunciphisa i-premium yakho ngokungahambisani nehafu yabasebenzi bakho njengonkontileka ezizimeleyo . Ukutshintshiselwa kule "ntliziyo," i-arhente icela u-$ 1,0000 ukukhawuleza.

Ukuba uyakrokrela ukuba i-arhente yakho okanye umthengisi uyinyanisi, yazise umgcini wakho womshuwalense kunye negunya lakho le-inshurensi yommandla.