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5 Things to Check Before You Buy Any Insurance Policy

Before buying insurance, confirm who regulates the insurer, exactly what is covered, what is excluded, how premiums work and how a claim is made.

What to check

Check the insurer on NAICOM channels; read the benefit illustration and policy wording; verify payment channels; record your beneficiary; and save the claims contact details.

What could change the answer

Pressure to pay immediately, promises that are missing from the document and payments to an individual account are warning signs.

A practical next step

Pause before payment and ask the adviser to show where each promised benefit appears in the written policy.

Reviewed 2026-09-09