It is difficult to say that it is difficult to make insurance claims, and it is difficult to buy ins

Insurance claim settlement refers to the act of the insurance company performing the liability of compensation or payment in accordance with the provisions of the contract when the insured suffers damage to the property or personal life of the insured due to the occurrence of an insured accident on the subject matter of the insurance, or when the insurance money needs to be paid due to the occurrence of other insured accidents as stipulated in the insurance policy, which is a direct embodiment of the insurance function and the performance of the insurance liability.

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1.It is not a model investment, and there is no concept of principal. The role of insurance is to provide protection rather than income, and the necessary income is very low. Universal Insurance.

It has the function of saving, but the time of your policy is the protection function. It is estimated that the salesman designed it for your needs, which is not bad.

2.The savings of insurance is subject to time, payment, number of expenses, and the amount insured.

Future investment returns.

and so on, it will only have an effect in the long run, such as 20 years later. There is no short-term income, and the income of its own insurance products is very low, unlike **, universal is already good. Press CIRC.

provisions, proposals.

The demonstration is explained to the customer according to the orange code file, and cannot be pressed by the high-end. In fact, due to the country's restrictions on the investment channels of insurance companies and the current economic situation, the investment income of insurance companies is very low, with less than 2% in the first half of this year. Therefore, the purchase of insurance should start from the purpose of protection, and if you pay attention to the income, you will not be able to achieve the expected purpose.

Now the surrender rate of participating insurance is high, and it is for this reason that Danqin is also high.

3.The recovery of premiums depends on the cash value of the policy.

You can call customer service at any time. It is impossible to estimate now, because the interest is determined according to the future annual investment, and the future investment situation is unpredictable, so the interest rate above the guaranteed interest rate is uncertain. The universal insurance rate is the interest rate of the previous month announced at the beginning of each month, and it is currently.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

Do you know the truth behind "I don't have any money"??The psychological role of self-defenseReally no purchasing power ?

Naturally resistant to changeFear of making mistakes, fear of making decisions "The suspect is the buyer. "Senior marketers should have understood and experienced that those customers who are polite throughout the whole process often do not buy in the end, and those who have been expressing different opinions are the ones who actually buy in the end.

Prospect: The income is just enough, and there is no money to buy insurance Marketer: Do you think today's market is good?

If your boss tells you that it's not good right now when you go to work tomorrow, you have two options:1Make up 1 month's salary and resign automatically; 2.

Take a 10% pay cut, and then raise your salary when it's good. What would you choose? You should be able to cope with 10% less income, but how will your family afford to lose 100% of your income?

Therefore, it is recommended that you open an account with 10% of your income, which can be used for medical expenses when you are sick, and can be used as a retirement pension in the future when you are not sick, and ensure that your family can live with peace of mind. Prospect: I don't have the money to buy insurance right now, and all the money is used for investment Marketer:

So when do you have the money? Prospect: How do I know this? I.

1. I don't know if the purpose of the landlord's question is to buy insurance to reimburse the cost of myopia surgery, or to prevent myopia surgery from going wrong and buy insurance?

Second, if you buy insurance to reimburse the cost of myopia surgery, then it is better to advise you to give up. First of all, most insurance contracts stipulate that there is no compensation for pre-insurance diseases, and you are already short-sighted, and ** caused by myopia in the future will not be compensated; Secondly, most insurance contracts stipulate that orthopedic surgery is not compensated, and myopia correction surgery is also a type of orthopedics; Thirdly, most insurance contracts stipulate that expenses other than medical insurance items are not compensated, and in most places, vision correction surgery is not covered by medical insurance, so the insurance company will not pay according to this provision;

3. If you buy insurance to prevent mistakes in myopia surgery, you should distinguish the following aspects:

1. If it costs a lot of money to prevent the operation from going wrong, then the landlord is advised not to buy insurance, the reason is that the insurance company mentioned above does not pay for the money, and the other is that if there is a medical accident, the relevant expenses will be compensated by the hospital;

2. Most insurance contracts (especially the types of insurance that reimburse medical expenses) stipulate that the expenses caused by medical accidents are not compensated and starved (the main reason is that the hospital should return to compensate for the loss);

3. In most insurance contracts, medical malpractice does not belong to the definition of accident, so the purchase of accidental injury insurance for medical malpractice is not compensated;

4. For critical illness insurance, participating insurance, whole life insurance, and term life insurance, some types of insurance do not agree that medical accidents will not be compensated, then the death caused by medical accidents will be compensated, but only the failure of myopia surgery without death will not be compensated, unless both eyes are blind, and some critical illness insurance will be compensated.

Fourth, if you don't consider the problem of myopia, just to provide future protection, I am in favor of the landlord to buy insurance.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

A collection of insurance classics.

1.Leave something to use for your wife and children, rather than a burden for them to take care of.

2.There is a cost to action, but the cost of not taking action is even greater.

3.No one dies at the right time, either too early or too late.

4.Life insurance is creating the cash you need most.

6.Insurance is like a parasol, if you don't bring it when you want to use it, you won't necessarily use it if you do.

7.If your child had a choice, he would not choose you as a parent, and your child would depend on your health and work to survive.

8.Death is not free, but has to be paid.

10.A life insurance salesman comes in cash when you need money, while other salesmen, lawyers, and accountants come to ask you for money.

11.Buying insurance is to raise a filial son, and after 20 years, he will definitely support him.

12.Insurance is like the switch of a hot water bottle, although it costs a little more, it can protect your child from accidents.

13.Your wife, children, car, and house are now your property, and your clothing, food, housing, and transportation expenses are all your liabilities.

14.Why Europeans and Americans are getting richer and richer, because there is life insurance, while Chinese only save money, save 10 million to four children, one person can only get 2.5 million, 2.5 million and then two grandchildren, the less and less, and insurance only needs to pay a small price to buy 10 million.

15.Spend a little money to lighten the load off your shoulders.

16.Every day there are people who refuse insurance, but there are also many people who buy it; Every day, there are people who doubt insurance, but there are also many people who get the benefits of insurance.

17.The coffin contained a dead man, not an old man.

19.Buying life insurance is like signing a contract with God, guaranteeing that there will be no problems for these 20 years or a lifetime, and he will take care of me if there is a problem.

21.Buying life insurance is not about adding to the burden, but about taking responsibility.

24.Many people often say, "I knew ...... earlier."I'll ....... If you don't take precautions in advance, it will be too late until disaster strikes!

27.Buying insurance is just transferring part of the money in the bank to the insurance company's account, and it is not spent.

29.When your child is sick, you can't say, "Wait a minute, I'll get sick again when I have money." "Insurance is the money.

30.Would you say consider your family's living expenses? Would you consider the cost of your child's education? Insurance is a substitute for future living expenses and education expenses.

32.Your lawyers and accountants can only do their best to minimize your losses to the extent that they are lawful, but they will not pay the bills on your behalf.

33.Would you rather marry a woman with two children? If not, who will your wife remarry? A widow who has no money may have to remarry, while a widow who has money does not necessarily have to remarry.

Summary. You can ask him directly, why do you think so, because you have been deceived by insurance before? The other side is basically everyone else's words.

Ok, then we only need to give a few practical examples to illustrate: For example, first of all, insurance companies are regulated by the National Insurance Regulatory Commission, and any insurance company that wants to be established and wants to bring their products to the market needs to be approved by the National Insurance Regulatory Commission. Therefore, as long as the insurance company can be established, it is approved and recognized by the state.

Hello, are you buying insurance? Or sell insurance?

Sell insurance. You can directly destroy the envy and ask him, why do you think so, because you have been deceived by insurance before? The other side is basically everyone else's words.

Ok, then we only need to give a few practical examples to illustrate: For example, first of all, the insurance company is supervised by the National Insurance Regulatory Commission, and any liquid or insurance company that wants to be established and wants to bring their products to the market needs to be approved by the National Insurance Regulatory Commission. Therefore, as long as the insurance company can be established, it is approved and recognized by the state.

The problem of long time: insurance is a guarantee to buy, a kind of early protection against future uncertainty, and the longer the period, the better it is for you.

What should I say when the client says I already have insurance?

What to do if the customer says the insurance yield is too low.

It is necessary to praise customers for their vision and make a guarantee for themselves in advance. Then delay the customer's time for a few minutes, learn about our insurance, if there is a demand in the empty knowledge period after the slippage, you can make it in the letter. Make a friend.

In this case, you have to think about the question first, why do customers feel that the benefits are not high? Because most people pay attention to short-term interests, and annuity insurance is essentially a product that serves long-term interests, is the long-term benefit here just the amount of money gained? So you see, the reason why customers ask this question is because they equate annuity insurance with ordinary financial products, which is why selling groups is the root of this problem.

Once you've got to the root of the problem, you'll have to find a real solution. At this time, you can adopt the "impossible triangle of investment and allocation". In investing, time, benefit and risk are very important, but they cannot be balanced.

High returns often mean high risks, and short time is often accompanied by low returns.