I bought Xinhua Insurance, and the salesman who sold my insurance quit, so what should I do with my

Recently, there seem to be a lot of people who are interested in the question "how does Xinhua Insurance compare with other companies", if you want to know what the answer is, you can take a look at this ranking:Which is the best insurance company in the top 10? 》

It doesn't matter, it is the insurance company that signs the contract with you instead of the salesman, and then if you have any questions to consult or supplement, you can directly find the insurance company, if you are not very familiar with Xinhua Insurance, you may wish to take a look at the following analysis.

Next, I will analyze and explain the company profile, strength background, and products of Xinhua Insurance Company.

1. Company Profile

Founded in September 1996, Xinhua Insurance is the abbreviation of Xinhua Life Insurance Co., Ltd., which is a large state-owned enterprise headquartered in Beijing. In 2011, it was listed on the Hong Kong Stock Exchange and the Shanghai ** Stock Exchange. The company's major shareholders include Huijin Investment Co., Ltd. and China Baowu Iron and Steel Group.

Second, the strength of the background

New China Insurance has achieved fruitful results in 2019. At the end of 2019, New China Insurance Company won the "Best Life Insurance Company of the Year" award, and its Healthy Care C3 series products also won the "Best Product Portfolio" award. It ranked sixth in terms of market size, with premium income reaching 138.1 billion yuan, core solvency adequacy ratio, and comprehensive solvency adequacy ratio.

After reading this series of data, can you understand what these solvency data mean? It doesn't matter if you read my article, you will understand what solvency is, and how the solvency of each insurance company can be achievedWhat is solvency?

Which insurance company has better solvency? 》

3. Its products

New China Insurance mainly promotes risk-based insurance, and is committed to promoting the development of life insurance, health insurance, accident insurance, medical insurance and accident insurance.

The following are the main products of Xinhua Insurance Company

In addition to the products shown in the picture above, there should be some people who know about its Haoli Nian Nian this insurance, and there are a lot of bad rumors, but are the rumors really true? I've done relevant evaluations on this, and if you want to be optimistic about the evaluation of the year, you can watch:"It is said on the Internet that Xinhua [Haoli Nian Nian] is **, is it true?

Hope!

The insurance company personnel are very popular, but even if your exclusive ** person leaves, your policy will still be valid, and the insurance company will be responsible for you, you can rest assured. But it's still important to pick the best people.

Go directly to the person in charge of their company, if you still don't solve it, you can complain, if not, use the law to solve it!

It's not a big deal, it's not a big deal that affects the benefits of your policy.

Just such a service is just

You can go to their branch manager and ask! If not, you can use the law!

You don't have to worry about this, give them a company **.

You don't have to worry about this problem, it's just an insurance person, and it's Xinhua Company that underwrites you.

The transfer of the insurance agent will not affect the consumer's policy, and our policy will continue to be valid. You must know that the insurance policy is an insurance contract signed between the consumer and the insurance company, and the premium is also handed over to the insurance company, not to the insurance salesman. Even if the previous salesman leaves, the insurance company will arrange a new salesman to follow up on the follow-up of the policy, and any insurance problems can be communicated with the new salesman in the future.

Many friends will also worry about whether the insurance salesman will affect the claim after the accident. In fact, if an insured accident occurs, the consumer can directly contact the insurance salesman or the insurance company of Xinqueli to apply for a report; Then you need to prepare the claim information, but these materials are generally more professional, you can consult the insurance company first, or the insurance salesman assists. When the information is ready, you can apply for a claim, and at present, various insurance companies can take photos and upload them through their mobile phones and accept them over the counter.

The insurance company will review the insurance case, and if it is confirmed, the insured person will receive the payment.

In fact, the whole claim process is not complicated, so you don't have to worry. Usually the insurance company will not make it difficult for us when making a claim, and the insurance product clause clearly stipulates the claim conditions, as long as the claim conditions are met, it is reasonable to be able to settle the claim normally. Of course, if all aspects are in line with the requirements, and the insurance company still does not settle the claim in accordance with the normal statute of limitations, then we can protect our legitimate rights and interests by negotiating with the insurance company, complaining to the regulator, and filing a lawsuit with the court.

Hope!

Next, let me tell you which channels do not have "orphan lists" in the actual sense. From the above, we know that the so-called "orphan list" is because the salesperson in charge of this list quit and left, so once the customer has something, there is no one who is responsible. However, there is no such problem in the bancassurance, online investment and telemarketing channels.

Because in these channels, the role of the channel itself is very important, such as online sales and telemarketing are customer service systems, after the insurance is sold, customers can directly find after-sales customer service to solve problems.

You don't need to and don't necessarily find the customer service who sold you the insurance at the time. It's like **. In the bancassurance channel, the sales staff generally does not care about after-sales problems, and once there is an after-sales problem, it will be handled by the salesman of the corresponding insurance company.

Salespeople focus more on the sales process than on the after-sales process. Therefore, if you buy insurance from these channels, even if the salesperson leaves, there is no big problem, because there will be no one-to-one lifelong service.

In fact, the so-called "orphan list" exists in two channels: individual generation and broker. Because these two channels, from sales to after-sales, to claims and other matters, have been done by ** people or brokers. Among them, after-sales and claim matters, although the first person and the broker do not do it themselves, but try their best to assist the customer to complete, to tell the customer how to report, what kind of information to prepare, how to be more conducive to obtaining a better claim and so on.

Therefore, a person or broker who can work in this industry for a long time is a plus for customers.

However, there is no doubt that since the reform and opening up, the development of China's insurance sales industry has been very extensive. The quality of sales personnel is uneven, and the mobility of employees is also particularly large. Take my own example as an example, I don't know how many ** people have changed in ten years, and I can't find any of them when there is really something.

That's the status quo. Generally speaking, whether it is an insurance company or a brokerage company, there are "orphan orders", so there are also ways to deal with them.

Take our Mingya Insurance Brokerage Company as an example, the list in the hands of the resigned broker will be collected into the company, and the company will convene the broker with more than a fixed working life to sign up for these lists and provide after-sales related services for these lists. Including new insurance, renewal, claims, etc. I think the insurance company should be like this, but it depends on whether the ** person or broker who takes over your policy is really interested.

In this case, your insurance policy will become an orphan policy, but I don't think there is any need to be afraid, you can go directly to the company when the time comes, and the company will not run away.

I will inquire at the Business Office. Even if the salesman quits, your policy is still valid and the company needs to be responsible for your policy.

You can go to the insurance company to understand that this matter is fundamentally solved, after all, the company will also have a guarantee for this matter.

The same goes for !!

What do you do if you go to the bank to make a deposit, and then the teller in charge of the deposit leaves the job, or the branch where you made the deposit is cancelled?

The person who sold my insurance is gone, what should I do if I make a claim? Teach you 3 tricks!