Understand how to operate the insurance shopping "out of sight"
This article was translated by an automatic translation system, and was therefore not reviewed by people.
Policies cover some of the benefits in case of job loss.
Optional insurance costs between 3% and 5% of the total.
The trend to buy Brazilian forward has made the market would create insurance policies that protect the consumer in case of purchases out of sight, is to purchase an appliance, home ownership or retirement of an existing property.
For fear of the consumer to benefit long unobtrusive sales, was created the so-called "safe lender. It costs between 3% and 5% of the purchase price and is paid gradually, with the benefits. If the client loses his job, the bank covers the debt.
Before purchasing the product, we need to be sticking to the rules. Generally, insurance does not pay the entire amount financed in the event of unemployment. We need to know how many parcels will be guaranteed.
Conditions
Contracts vary from one insurer to another. But all require at least that the applicant has held at least six months of formal jobs. There is a grace period, between 30 and 60 days before coverage takes effect.
Many contracts, however, cover the default in payment of death or disability, and loss of employment. But it's not to quit. "There is no restriction to the dismissal is for cause or not, but the resignation has to be an initiative of the employer," says the lawyer of the Brazilian Consumer Defense (Idec), Marcos Diegues.
Stores that sell term usually offer this insurance because it helps avoid losses. But they can not require the customer to contract this service as a condition to release the funding. That would be tying, which is prohibited by the Code of Consumer Protection (CDC).
Homeowners
Membership is compulsory only in home ownership, to avoid damage to the Housing Finance System (SFH).
The manager computer Márcio Fuzaro bought the apartment in a financing of 25 years. He pays R$ 70 per month more for insurance. But quiet sleep.
"He gives a tremendous security for my family. Should something happen to me, disability or death, anything, my family is fully covered," says Fuzaro
Source: G1
This article was translated by an automatic translation system, and was therefore not reviewed by people.
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