How can you organize your insurance accounts for maximum efficiency?

由人工智能和领英社区提供技术支持

If you have multiple insurance policies, such as health, life, home, and auto, you might find it hard to keep track of them all. Having a messy or outdated insurance portfolio can cost you money, time, and peace of mind. That's why it's important to organize your insurance accounts for maximum efficiency. Here are some tips on how to do that.

此文章中的业界达人

由社区从 6 条内容中精选。了解更多

Elisana Perea

Actuario | Nuevos productos | Seguros de propiedad (generales)

1 Review your coverage

The first step to organize your insurance accounts is to review your current coverage and see if it matches your needs and goals. You might be overpaying for some policies, underinsured for others, or missing some important benefits or discounts. You should also check the expiration dates, renewal terms, and cancellation policies of your policies. If you find any gaps, overlaps, or errors, you should contact your insurance provider or agent and ask for adjustments or changes.

添加您的观点

Elisana Perea

Actuario | Nuevos productos | Seguros de propiedad (generales)
举报内容
Antes de revisar cobertura debes hacer un análisis de tus riesgos. Es importante que cada a?o revises si tus condiciones de vida/empresa siguen siendo las mismas. Igualmente, requieres hacer una revisión de tu situación económica y posibilidades de pago. Con ambos puntos (riesgo, presupuesto), podrás decidir si mitigas o transfieres el riesgo. Sobre los riesgos que decides transferir, es importante comparar tu cobertura, fechas de pago, beneficios para así verificar si es o no acorde a lo que requieres. Es importante que leas las condiciones generales y también, te contactes con tu asesor de seguros si quedan dudas.

已翻译

赞

2 Consolidate your policies

The next step to organize your insurance accounts is to consolidate your policies as much as possible. This means grouping your policies with the same provider or agent, or switching to a provider that offers bundled packages. Consolidating your policies can help you save money, simplify your payments, and streamline your communication. You might also qualify for loyalty rewards, multi-policy discounts, or lower deductibles. However, before you consolidate, you should compare the prices, benefits, and services of different providers and make sure you are getting the best value and quality.

添加您的观点

Elisana Perea

Actuario | Nuevos productos | Seguros de propiedad (generales)
举报内容
Más que consolidar las pólizas, debe verificar los beneficios que tiene una empresa si usted compra con la misma empresa todos o la mayoría de sus seguros. Recuerde que un cliente integral es más redituable que uno por pedazos.

已翻译

赞

3 Digitize your documents

The third step to organize your insurance accounts is to digitize your documents and store them in a secure and accessible place. This means scanning or taking photos of your policy documents, receipts, claims, and other important papers and saving them on your computer, smartphone, cloud, or online account. Digitizing your documents can help you reduce clutter, protect your information, and access your records anytime and anywhere. You should also back up your files regularly and update them whenever there are changes.

添加您的观点

Elisana Perea

Actuario | Nuevos productos | Seguros de propiedad (generales)
举报内容
Hoy día todas las empresas aseguradoras son paperless... pida a su agente/proveedor una copia de la póliza y todos los endosos. Almacénelos en la nube, es lo más recomendable (piense en escenarios donde no pueda acceder a papeles o correo) y, en su mochila de emergencia, deje una impresión para la eventual necesidad. Procuré, dentro del mismo kit de emergencia y en la nube, dejar una copia de su identificación, acta de nacimiento, acta de matrimonio o la lista de documentos que seguramente le requerirán. Esto le facilitará la integración de un siniestro, en caso de necesitarse.

已翻译

赞

4 Automate your payments

The fourth step to organize your insurance accounts is to automate your payments and avoid late fees, penalties, or lapses. This means setting up recurring payments from your bank account, credit card, or online account and choosing the best frequency and date for your budget and cash flow. Automating your payments can help you save time, avoid stress, and maintain your credit score. You should also review your statements regularly and report any discrepancies or issues.

添加您的观点

Elisana Perea

Actuario | Nuevos productos | Seguros de propiedad (generales)
举报内容
Verifique con su agente/proveedor la opción de diferir el monto utilizando pagos sin intereses transferidos a las tarjetas. Aproveche los descuentos por domiciliación o cargos automáticos y si el cargo a cuenta bancaria es mejor, agende en su celular o calendario, las fechas en las que se hará el cargo, para que verifique y garantice que el dinero se encuentra disponible.

已翻译

赞

5 Monitor your performance

The fifth step to organize your insurance accounts is to monitor your performance and see if you are getting the most out of your policies. This means tracking your claims, benefits, usage, and satisfaction and evaluating them against your expectations and goals. Monitoring your performance can help you identify problems, opportunities, and improvements and make informed decisions about your insurance portfolio. You should also solicit feedback from your provider or agent and share your concerns or praises.

添加您的观点

Elisana Perea

Actuario | Nuevos productos | Seguros de propiedad (generales)
举报内容
El análisis riesgo-presupuesto debe realizarse de forma anual. Una vez hecho esto, acérquese al experto para que valide si puede generar mejoras en su protección o bien, mejoras a los productos para migrar a mejores condiciones.

已翻译

赞
Jenni Roos, (CRIS), (ERIS), (MLIS), (TRIP)

Corporate Governance, Finance & Risk Management | Contracts & Insurance Administrator @ USD Group LLC
举报内容
Organize your insurance accounts by reviewing coverage to ensure it meets current needs, consolidating policies to simplify management, digitizing documents for easy access, automating payments for convenience, monitoring performance for potential savings, updating information regularly, and leveraging personal experience to optimize your insurance portfolio efficiently.

已翻译

赞

6 Update your information

The last step to organize your insurance accounts is to update your information and keep it current and accurate. This means notifying your provider or agent of any changes in your personal, financial, or situational circumstances that might affect your coverage or rates. Updating your information can help you avoid gaps, disputes, or fraud and maintain your eligibility and compliance. You should also review your policies annually and make adjustments or changes as needed.

添加您的观点

7 Here’s what else to consider

This is a space to share examples, stories, or insights that don’t fit into any of the previous sections. What else would you like to add?

添加您的观点

Insurance

+ 关注

给文章评分

我们借助人工智能创建了此文章。您认为这篇文章怎么样？

很棒不太好

举报此文章

How can you organize your insurance accounts for maximum efficiency?

1

2

3

4

5

6

7

1 Review your coverage

2 Consolidate your policies

3 Digitize your documents

4 Automate your payments

5 Monitor your performance

6 Update your information

7 Here’s what else to consider

Insurance

给文章评分

感谢您的反馈

更多Insurance相关文章

更多相关阅读内容