Is the insurance credible, is all kinds of insurance credible

1. As long as you are insured in a regular insurance company and get a formal policy, your insurance is credible;

2. According to the laws of our country, insurance companies engaged in life insurance business are not allowed to go bankrupt easily, in case any company is not operating well, its life insurance policy will be forcibly transferred to other insurance companies, and customers who apply for life insurance will not suffer losses;

3. Sometimes customers feel cheated, on the one hand, they are misled by some bad salesmen, on the other hand, they do not read the policy well and do not understand the insurance contract, and the insurance terms themselves are also complex and difficult to fully understand;

4. If you have doubts about your insurance contract, you can bring the policy to the counter of the insurance company to ask the staff to explain, and then compare it with what the salesman told you to see if it is the same.

It is recommended that you study the "Social Security Law" and the "Insurance Law".

Of course, it is credible, buy with confidence, but you must read the terms of the insurance.

In fact, insurance does not deceive people, when you buy it, it is clearly written in black and white. Only people can deceive people, that is, people who sell insurance, and they will fool people for the sake of performance. So why do insurance ** people deceive people?

First of all, there is no base salary for ** people. Secondly, the delay in the issuance of bonuses. In the end, making money is all about pulling people's heads.

Some offline salesmen said that the insurance bought online is unreliable, cheap when buying, and unreliable when making claims. But in fact, insurance claims are legally effective, regardless of whether they are online or offline. It's like when we buy clothes, we used to buy clothes in the store, but now we buy clothes online.

No insurance company makes money by denying claims. As long as we have a policy contract, we don't have to be afraid.

Buying insurance is essentially a contract to buy, and it has nothing to do with the size of the company or who the ** person is.

Some people feel that they have been fooled into buying insurance, usually because they have not seen clearly or ** people talk exaggeratedly, after buying it they feel that the difference is too big from what they think, and another reason is that some products are not good enough, you can take a look at this lightning list:Top 10 [Not Worth Buying] Critical Illness Insurance! 》

Because the psychological gap feels like being fooled, what is the reason for this psychological gap? Usually because of two situations: unable to make a claim and the income does not meet expectations, let's talk about it specifically:

The first point is the reason why some policies cannot be claimed:

1) Failure to truthfully inform the applicant.

This is the most important reason for not being able to make a claim, if there is an accident, the insured's past medical records can not escape the insurance company's tracking, truthful health notice can not be child's play, you can take a look at the health notice if you don't know how to do it:What are the tips for health notification when applying for insurance? 》

2) Failure to meet the conditions for claim.

Each contract has corresponding conditions to settle the claim, that is, the life insurance will be claimed after death, and some life insurance will not be settled at the same time, and the amount of compensation is also different. Some people are not sure what information to prepare in order to make a claim, you can look at this table:

3) Failure to read the contract disclaimer.

The insurance policy does not carry the protection liability for some specific situations, which can be called an exemption, for example, most insurance policies stipulate that the insured is exempt from driving a motor vehicle under the influence of alcohol.

If the claim can't be approved, you can take a look:"How to settle a claim after a claim case occurs".

The second point is that the benefits are not up to expectations

When some people recommend participating insurance to customers, they will say that the income is leveraged, but the actual income is not necessarily, and the dividend interest rate is not actually stipulated.

How can you not feel "fooled"? Here are a few tips:

1.Look at the content of the insurance clearly: Don't think that the insurance will pay for everything, and make it clear what is covered and what is not covered.

2.Look at the claim conditions clearly: For example, there are some claims in medical insurance, and it is easy to ignore them if you want to understand these contents clearly.

3.Pay more attention to participating insurance: Even if a participating insurance has a good income in the past, it has passed, and it still depends on how it is now and what will happen in the future.

The existence of insurance is naturally due to demand, as long as you pick the right insurance for yourself, you will not feel that insurance is fooling.

[Written at the end].

I am [Xueba Says Insurance], focusing on objective, professional and neutral insurance evaluation;

I will give you the most professional advice with years of experience in configuring insurance for 10w+ families.