Insurance: be well covered!

We naturally tend to trust the representative (insurer or banker) that we "sell" our insurance or our mutual. He is careful not to talk about the "covenants" and they make us sign the contract. Although we have a legal period of withdrawal (supposed to be utilized to accurately read the entire contract), which of us actually take the time to do it properly?

An insurance contract is structured around two distinct elements: the general conditions and special conditions.

Terms and conditions apply generally to all policyholders, regardless of their age, situation ... While the conditions are "customized" to the subscriber. The latter will thus support personal items such as age, occupational status, family status, etc..

So there can be two types of "covenants" ones, General, appearing on the general conditions of contract and those on special conditions. In general, when a representative wants to sell you insurance, you will discuss the terms and conditions, including and especially, benefits and promotions Welcome (1 month free or free membership for your third child ...).

This is the general conditions that sells you!
The representative has virtually no light on the conditions to be determined by the company after sending your registration form. It is society that will determine the amount of your contribution, calculated on the basis of the personal information you provided.

It is therefore sure to negotiate your terms with the representative (insurer or banker) but not only. Once you receive, usually by mail, your "special conditions", remember to consider and, above all, to read the entire contract and keep in mind that you have a legal period of withdrawal that you can (must ) use. Do not hesitate to do so if you have any doubts.