How to choose an insurer?

To date, we can safely say that insurance is an integral part of everyone's life. It can not only secure our future, but also make it more transparent. Therefore the choice of a suitable company - quite an important and responsible step to prevent any possible mistakes. So how do with such a broad alternative to make the right decision? How to choose a reliable and trustworthy insurer? In many ways, a kind of assistance can the rating of the insurance company. As a rule, it shall be for a variety of settings: on profits, benefits, collected premiums and other categories that allow you to judge the degree of trust the client to the insurer. Now there is a huge number of such rankings, compiled by experienced experts and market. Thus, the rating was organized last year, clearly showed how reliable are these or other organization to whom you trust and even more so, a client company to become better. His results showed that each year the market takes a huge number of insurance companies, and this trend will continue in the future, convinced themselves insurers. For example, according to July 1, 2010, in Russia there were 660 companies, but only in the first half of this year 62 organizations have lost their licenses. A few years later, with 1 July 2012 profile of the company will have to increase the authorized capital of up to four times, and this means that the situation is tougher. Thus, the fund for each market participant will have 120 million rubles, for those who are engaged in life insurance, this amount will increase to 240 million rubles, and for mediators reinsurers - up to 480 million rubles. As a result, the game can get about 60% of all companies. What to look for? However, when choosing an insurer can not rely only on the rating of the insurance company. It is also important and such factors as the availability of a license, the stability of the company and the high reserve fund. In addition, you must find out in advance what will be the size of payments in case the insured event, and how much it cost the insurance company itself. It is very important not to chase the cheap, and careful consideration. As is known, avaricious pays twice. Also, do not hurt to bring help and find out what a reputation at the vending company. Ideally, of course, opt for a public organization. It will not hurt to carefully study and insurance rules. Even though it is, and tedious, but in practice can be useful. In general, trust is not only the advice of experienced professionals and made up their ratings, but also show their own initiative. Then success is guaranteed.