A: I’ve just taken out an insurance policy. Are you insured?
B: Yes, I am. I have life insurance and my home and its contents are also insured.
A: I took out a life insurance and made my wife the beneficiary.
B: That’ a good idea. You are a fireman and it can be dangerous job.
A: I need to make sure that my wife will be financially secure if I die.
B: I can terminate my life insurance policy when I retire and use the money as a pension.
A: That’s one of the conditions of my police too. It covers you if you die before you retire and when you retire.
B: Did you have to take a medical before you could take out the police?
A: Yes, I did. It was one of the conditions of the insurance police. The insurance companies need to assess the risk
A: Good morning. I’d like to ask some questions about your insurance policies.
B: Of course. Please sit down. How may I help you?
A: I bought a house recently and would like to insure it and its contents.
B: I see. Here’s a pamphlet about our home insurance policy. We’ve named our policy “umbrella”. May I ask how much you paid for your home and where you live? These are two main things that decide how much your premiums are.
A: I understand. I live in the Oakfield area and paid $ 100000 for my home.
B: Let me just check that on my computer. Oakfield is a low risk area, so your premiums will probably be around $ 100 a month. The other thing to take into account is deductible.
A: In this pamphlet it says that the minimum amount of deductibles is $ 2000. What does that mean exactly?
B: It means that the first $ 2000 of any claim you make must be paid by you. The insurance policy covers any amount above that, up to the agreed limit.
A: Oh, I see. That’s fine. What is the advantage of having higher deductibles?
B: If you have higher deductible, your premiums are lower, because you will pay more of the claim and we will pay less.
A: It seems that I should do some calculations before deciding. I presume that the insurance period can be for as long as we agree.
B: We initially sign on-year policies with our policyholders. These are renewable after the first year.
A: If I have a claim, how long does it take to make a settlement? I’ve heard that with some insurance companies, it can take months.
B: That’s of great concern to our clients. We aim to satisfy all claims with a month, but we can’t guarantee that.
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