Affidavit to Bear Life Insurance Claim
Life Insurance Agents often have to face people who create obstacles for some reason and do not allow the agent to do his work. In such circumstances it becomes very difficult for the agent to do his work.
In this article of Jeevan Bima Bazaar, information is given that how to deal with people who create obstacles in the work of an Life Insurance Agent. Therefore, if you are a LIC Agent then this article and the material available in this article will prove to be very useful for you.
Problems of Life Insurance Agents:
I want to resort to an example to present my words with clarity. Suppose you are a Insurance Agent and you are giving information to a customer about the benefits of Life Insurance to deal with his future Financial Needs and concerns or you are telling your customer the benefits of Life Insurance Product to your customer.
In such a situation, someone tries to tell the Products of your Life Insurance Company or your Life Insurance Company waste and prevents you from doing your work. Due to which you feel unable to tell your customer about Life Insurance and Life Insurance Products and you are unable to do your work.
The solution to this problem of Life Insurance Agents is being presented in this article.
What should Agent do to Deal with such Problem-
The basic duty of Life Insurance Agent is to provide information about the benefits of Life Insurance to the people of their work area. Understanding the needs of customers and selling Life Insurance Products according to their needs is done by Insurance Agents. Apart from this, if a customer has any problem related to Life Insurance, then trying to solve it is also a Moral Work of the Agent.
The license issued by the IRDA allows you to deliver the information about Life Insurance and its related Products to your customers. The IRDA is an institution of the Government of India and allows you to do Life Insurance Business. Therefore, if a person stops you from doing your work, then it means that he is violating your rights given by the Government of India.
But before taking any decision, as an Agent, you must understand that if a person raises the objection mentioned in the above, then what is his real mood? Because if you make a decision without considering, then there will be a lot of possibility that the decision taken by you will be wrong.
If a person is obstructing a agent in doing Life Insurance duty, then there can be two major reasons:
First Reason: It has often been observed that a customer can do this kind of work if a customer is dissatisfied with the benefits of his Life Insurance Policy, the company's service or its Advisors.
Second Reason: It has often been found that some people do such work even without any concrete reason. The reason for this can only be estimated. As it may be that the person does not like you as Life Insurance Agent or the person is jealous with your customer.
Measures for Dissatisfied Customer:
If you feel that the person who is obstructing your work is creating obstruction due to the first reason mentioned in the above, then first you should tell the person that after some time you will hear his problem and you problem Will also help him in solving it.
But if that person prevents you from doing your work despite all your trials. Then you can ask him to fill the "Affidavit to Bear the Insurance Claim".
Remedy for those who create obstruction without any reason:
If a person prevents you from doing your Life Insurance duties without any solid reason, then you can ask him to fill the "Affidavit to Bear the Insurance Claim".
What is Affidavit to Bear the Insurance Claim:
The duty of An Insurance Agent is to explain Life Insurance Products to the customer and make efforts to provide him Life Insurance Protection. Now suppose that someone create a problem for you to doing your duty, then it means that because of that person, your customer will not get the benefit of Life Insurance.
In such a situation, “Affidavit to Bear the Insurance Claim” can be a medium with the help of which you can provide Life Insurance Benefits to your customer. You have to get this form filled by the person who is creating problems for you to doing your duty. Through this form, the person accepts that if your client dies, he will pay the sum assured amout from himself.
Will this Affidavit be valid as a Legal Document:
As a Life Insurance Agent, your job is to explain the benefits of Life Insurance Policies to all the people in your area. Even if people in your area are dissatisfied. So if a person is dissatisfied then you should try to eliminate the reason for his dissatisfaction.
But despite your efforts, there may be some people who create problems deliberately and without any reason. So for such people “Affidavit to Bear the Insurance Claim” can be used.
If you really want to use this affidavit legally, then you should get at least two witnesses and the client's signature on this affidavit. Along with this, you should also put your signature as a Life Insurance Agent.
Below each signature, their name, full address and details of any identity proof must be included. If you really want to use it as a legal document, we would advise you to seek advice from a lawyer.
However my experience says that when you ask any person to fill this form then no person will be ready to fill this form. But its second benefit will be that the person will never hinder you from doing your duty again.
Download File:
Click on the button below to download the PDF file of “Affidavit for Bear the Insurance Claim”. This file is present in 7-zip format. You can unzip it and use it by using any compression software or application.
How to use this Affidavit:
The file of “Affidavit for Bear the Insurance Claim” is in PDF format. You should get this file printed out. Complete information about how to fill this form is given in the video given below. Play this video on YouTube and get the benefit of the given information.
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