When you find out you have some severe dieses, you would probably feel sorry if you were not insured against that condition. This is why it is better to benefit of a complete insurance that covers all the potential risks associated with your help. Another problem would be if you can buy insurance against some dieses, you already suffer of.
Well, this option is not available with the insurance companies. It is normal for those companies to offer you coverage for dieses you already have. The good news is that you can complete the insurance policy you already have with some clauses that could protect you against other problems. Before buying an insurance against dieses, you should compare the insurance rates of the market, to choose a trusted agent and to check if the insurance policy is one that you can count on the long term. Once you are familiarized with the different types of policies and you have decided which one of those options is suited for your case, you should also check the associated costs. The costs could be considerably different from one company to the other, but you should know that smaller companies usually have smaller tariffs compared with the ones of the major companies, especially when it comes to dieses insurances. However, the company will request a medical investigation, to make sure you don’t already suffer from the dieses in the policy. The offers of the insurance companies will usually contain graphs and charts representing future projections of the contract. Those projections have guaranteed values, but in this case, the incomes are smaller, but also a component that only depends on the investing strategy of the insurance company. In any case, the investment component of the dieses insurance policy is only available with the unit-linked insurances.
The elements that are not guaranteed, such as the incomes brought by the unit-linked insurances are based on experience and previsions made by the insurance companies. Keep in mind that we are only talking about estimations, and the sums in the contract are not sure. The unit-linked insurance policies for dieses must have a solid growth, and also good buy-back conditions. Although you might be presented with a projection of the total sum you will be entitled to at the end of the contract, this is not necessarily the sum you will receive. If you need to choose between two different policies with the same insurance rate, the policy with the highest buy back value is probably the best one.
Tips and comments
You will also need to pay attention to the additional clauses in the contract, and to choose only the clauses that are needed. Don’t buy supplementary options that you don’t really need. The differences between the contracts of dieses insurances offered by the insurers usually have about the same clauses. In this case, it is the job of the advisor not only to find the best insurance policy for your case, but also to talk with the insurance company about the possible modifications you might require in your contract.