Many people will be fooled when buying insurance, what do you need to pay attention to when buying i

With the development of society and the improvement of people's living standards, the importance of insurance in our lives has become higher and higher in recent years, and many people buy insurance for different purposes. Some of them have a private car, so in addition to compulsory insurance, they will also attach full insurance to their car. In order to minimize their losses in the event of a traffic accident, they do not want to cause too much damage to the family's economy because of the accident.

Some people buy various insurances for reasons such as the safety of property and life. <>

In the early days of the development of the insurance industry, we have encountered many unprofessional insurance salesmen, and we can find that there are many insurance companies that are in a state of recruitment all year round. Actually, it's a marketing method for theirs. Through the incentive policy for newcomers, they make newcomers eager to sign orders and complete their performance to get rewards, so most of the salesmen, the first customers are their family and friends.

Because some newcomers are not familiar with the types of insurance and the content of insurance, the company will assign a team leader to each newcomer and teach them how to sell insurance. <>

Most of the commissions of insurance companies are pyramid systems, and newcomers will also have bonuses when they sign a contract with their team leader, and some people misdescribe the content of insurance in order to get more bonuses for performance. Many newcomers also believe what their predecessors say, and do not study the insurance content in detail. When the insurance is sold to family and friends for a period of time, they find out that they have been scammed, but the agreement has been signed and there is no way to pursue it, so many people feel that the insurance is fraudulent.

So what should we pay attention to when we buy insurance, first of all, you should choose a more formal national recognized insurance company, do not blindly buy at will because of the recommendation of friends and relatives, choose the right type of insurance for your own needs, and do not believe the recommendation of the insurance salesman, especially the vague one. After getting the insurance contract, you should read the contents carefully to see if it matches the description. Usually, there is a cooling-off period after the insurance contract is signed, and the purchase can be cancelled even if it has been signed.

Some people feel that they have been deceived after buying insurance, probably because they have bought an insurance product that is not suitable for them, so we should pay attention to the following points when applying for insurance.

1. Read the disclaimer clause clearly.

When we apply for insurance products, we must clearly read the exclusion clause in the insurance clause, which means that the insurance company does not bear what responsibilities and what situations are not covered. For consumers, the fewer exemptions the better, under the same conditions.

Insurance exclusions can be broadly divided into explicit exclusions and implicit exclusions. The explicit exemption is generally a high-profile statement of which circumstances are not insured and cannot be paid, and it is easy to find the bold "liability exemption" in the contract, which is it; The implicit exemption is low-key, hidden, scattered throughout the contract, and it is sometimes difficult to find everywhere without looking carefully, such as deductibles, disease definitions, special agreements, etc.

2. Understand the content of the guarantee.

Applying for insurance products mainly depends on whether this product meets our own protection needs, so when we apply for insurance, we must understand what protection content this product contains, and do not choose an insurance that does not meet our own protection needs.

The so-called buying insurance will be fooled, but in fact, you have bought an insurance product that is not suitable for you, so it gives people the illusion of being deceived. When buying insurance, you need to pay attention to choosing according to your own needs, and you need to truthfully inform your health and read the content of the insurance exclusions.

If you don't know why you want to make a health notice, you can click here to understand: Is the health notice of the insurance company making it difficult for us?

What are the precautions for buying insurance?

1. Attention should be paid to the insurance exemption clause; 2. Pay attention to the payment rules, mainly monthly payment and annual payment; 3. Pay attention to the conditions and requirements that can be compensated by insurance; 4. Pay attention to the insurance requirements before applying for insurance, especially the physical requirements, and provide all the materials that can be provided.

Be careful if there are any pitfalls, because sometimes they will take advantage of treaties that you don't see.

The things that should be paid attention to are the quality of the company, the level of the second service, the responsibility of the third product, the scale of the fourth underwriting, and so on. If you observe these, it shouldn't be a big deal.

The precautions for buying insurance can be divided according to the time node.

The premise of risk avoidance is to buy the right insurance, if you want to know more, you can take a look at this article: "Dry goods integration understands the truth, why is it to buy the wrong insurance?" Daddy teaches you how to buy insurance and save money

1. Precautions for buying insurance before applying for insurance

Before buying insurance, there are a few things to keep in mind:

1.Plan reasonably, and don't blindly follow.

2.Shop around to prevent being pitted.

3.There is no medical examination required before applying for insurance.

2. Precautions for Purchasing Insurance

1.Read the terms of the insurance policy.

Whether it is accident insurance, critical illness insurance, medical insurance or life insurance, you must read the insurance terms of the product clearly when applying for insurance, which is related to the issue of insurance claims in the future.

2.Be honest.

Many people do not know the importance of "telling the truth", and conceal it intentionally or unintentionally, so that they need to bear the corresponding consequences when false information leads to bad results.

3. Precautions for Buying Insurance

1.Policy administration.

As we become more and more protected, and we buy more and more insurance, policy management is particularly important at this time.

2.Statute of limitations.

In addition to filing a claim on our own initiative, we also need to pay attention to the statute of limitations.

IV. Summary

The precautions for buying insurance are probably these, but this is just a problem that most people will encounter summed up by the dad, after all, buying insurance is a very subjective thing, and different people will have different needs, so the precautions are also different.

Buying insurance scientifically should (1) adults first and then children, because adults are the economic pillars of the family, the umbrella of the family, and the insurance of the family. (2) First protection (accident, medical treatment, critical illness) and then investment (pension, education, financial management, etc.), especially at your age, accident insurance must be considered, and there are many factors to consider when buying insurance: twenty age, gender, annual income, annual expenditure, annual balance, what are the current protections, whether there are loans, whether there are investments (**, **, bonds, real estate, etc.), children's education, and the support ...... of the elderlyIt is necessary to design the scheme according to these reasonable plans, because the insurance is paid for more than ten or twenty years. So don't let these uncertainties affect our future quality of life.

Be sure to consider comprehensive, because the insurance payment is directly linked to age, the older the age, the higher the cost, the shorter the protection time, and the scientific planning of insurance is to control the annual insurance at 15-20% of the annual family income, and the amount of life insurance is 5-10 times your annual income, so as to reasonably avoid potential risks. ——Guangzhou Yuhongbo Company.

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

1.Don't blindly listen to other people's opinions.

Generally, most people who buy insurance for the first time are more confused and may listen to the opinions of others, but if the person who recommends it to you is not a professional, please do not adopt it at will. Be sure to choose a suitable insurance product according to your own needs.

2.The words of the insurance ** person cannot be fully trusted.

If you buy insurance for the first time, you will basically find an insurance person to introduce products and matching products for us, but some insurance people may conceal some facts in order to facilitate the transaction, or you don't mention them without asking. Therefore, it is recommended that people who are applying for insurance for the first time must find a few more **people to consult, or take a look on the official website of the insurance, such as Ping An Good Life Insurance**, which has a detailed product introduction, and you can also directly ask relevant questions, and professional customer service will answer.

3.The terms of the contract should be seen clearly.

Generally, the insurance contract is drawn up by the insurance company, and the insurer has no right to change it. The insurance contract is the only reference document for us when making a claim, and it is also the only evidence to protect our legitimate rights and interests, so it is very necessary to read the terms of the insurance contract clearly.

4.Be honest.

At all times, people should be honest and trustworthy, and the same is true for buying insurance. And if we do not truthfully inform the insurer of the actual situation of the insured when we buy the insurance, the insurance company can refuse to make a claim.

In the past year, I will talk a lot about customers, for fear of missing something, so that customers impulsively consume and buy the wrong product, every time I will tell customers what I know about insurance, let customers think clearly, understand customers' concerns, and then look for products, these are all from my own experience.

First, I think that I refuse to protect after surrendering, and the situation in life is uncontrollable!

In 2014, I withdrew a commercial insurance, which was medical insurance and critical illness insurance, because I didn't want my parents to pay money, so I saved a little money and spent a lot of money.

I have been in poor health for more than ten years, so I have no choice but to learn health by myself in 2012, and I have accumulated a lot of experience and helped many people. I feel that I don't need a doctor, even if I don't want to go through the doctor**, I can regulate my body by myself, and the salesman told me that if I don't die, I won't pay compensation, and I will surrender the policy directly. As a result, in 2019, tens of thousands of dollars were spent on blood transfusion in the ICU.

I deeply felt the importance of commercial insurance, and when I took the insurance again, it was postponed.

Many of life's contingencies are uncontrollable, but we can plan ahead. No one wants to talk about getting sick, but when it happens, the consequences can be big or small.

Second, plan the funds and then buy insurance, and allocate reasonable long-term considerations!

I shared my experience earlier, extravagance and waste, so in order to force savings to buy three financial insurance, but did not reasonably plan short-term financial management, the salesman did not remind me of the allocation of funds, did not consider Chang Yuan, because of the large expenditure at home caused the return of two financial management losses money.

So every time I talk to a client about insurance, I will tell the client my experience, don't buy insurance easily, pay for 3 or 5 years, or 20 years, we must plan for short-term deposits, high investment income, and then insurance planning is just as important, solve our worries in life, and let insurance take away our worries.

When adults buy insurance, these four misunderstandings most often occur: 1In order to receive more wages, do not buy social security; 2.

Always thinking about one insurance to cover everything, but as a result, I bought expensive and useless insurance; 3.Listen to the misleading to buy returnable insurance; 4.The children and the elderly are all protected, but they have no protection at all.

It is important to understand the expenditure of premiums, which should be 10%-15% of the annual income, and the sum insured should be set at 6-10 times the annual income, which is the best, but it should be analyzed on a case-by-case basis.

Be sure to fully understand the specific matters of insurance, the amount of compensation or the beneficiary, etc., so as not to deal with problems in the future and find trouble for yourself.

The most important point is not to buy insurance as an investment, because the nature of the two is completely different, although the insurance will be returned in the end, it is more important to understand this.

I think for adults, buying insurance should first buy social security, and then you can choose to buy some commercial insurance to supplement, because social security is the foundation, and commercial insurance is supplementary.

I feel that the sooner you buy the gross insurance, the better, because in the case of the same degree of protection, the premium paid will increase with the age of the policy.

I think it is more important to plan commercial insurance under the premise of social security, focusing on accidents and critical illnesses, and social security and commercial medical insurance, which cannot be reimbursed repeatedly.

I think the first consideration is the age factor, according to your age to choose the right insurance for yourself, I feel that the current insurance is based on age.

In particular, it is recommended to correctly understand the benefits of insurance, and do not believe in the words of a single person and personal assumptions, or through some neutral channels.

At the same time, pay attention to the security of family members, protect the people around them as much as possible, and achieve comprehensive family protection, otherwise the protection is unbalanced, and the meaning of protection will be missing.

It is necessary to understand what problems insurance can solve in life, what problems you want to solve, and buy the right insurance to solve the right problems.

According to their actual needs and economic ability to insure, truly do, clear consumption, down-to-earth enjoyment. Otherwise, due to one's ignorance for the time being, it may be exchanged for infinite troubles in the future.

The first choice of social security and medical insurance, this is the country to the people of the greatest welfare, all low-income people, must keep in mind this, do not calculate the immediate gains and losses, because with social security, there is a basic security when the old, with medical insurance, the reimbursement ratio is as high as 70% or more, basically when the body has a problem, there is money to use good medicine, no money to use basic medicine, are able to survive, no medical insurance, no money, the hospital will stop the drug, it is so cruel.

As an insurance practitioner who knows the inside story of insurance, I also warn you not to easily listen to the words of the salesman, and take your hard-earned money to buy the so-called pension insurance with high returns.

Don't believe the salesman's words, in the absence of medical insurance, go to buy critical illness insurance and million medical insurance, these two types of insurance, just a supplement to social security and medical insurance, can not replace social security and medical insurance, especially million medical insurance, if you do not have medical insurance, its rate is very high, this is also to remember.

Finally, the most important difference between commercial medical insurance and medical insurance is that commercial medical insurance can unilaterally refuse insurance after you get a claim, that is, when you need it most, it abandons you, and medical insurance will always follow you, unless you take the initiative not to pay.