Is it good to buy insurance from an insurance broker, and is it reliable to buy insurance through an

There are certain benefits to buying insurance from a regular insurance broker. Before the official introduction, the senior sister will first give you a super practical insurance configuration strategy: [insurance] which is good, how to buy a cost-effective, and teach you to avoid these pitfalls of insurance.

An insurance broker is an institution that provides intermediary services for policyholders and insurers to conclude insurance contracts based on the interests of policyholders, and collects commissions in accordance with the law. Unlike the insurance company, the insurance broker does not belong to any insurance company, so most of the time, he can maintain neutrality between the insurance company and the customer, and objectively and professionally help the customer configure the most suitable plan for them.

If you find an insurance broker to buy insurance, they will usually help us analyze the protection needs according to our actual situation, and then comprehensively compare the products of multiple insurance companies to formulate a reasonable and cost-effective insurance allocation plan for us.

In our country, the form of insurance brokers is insurance brokerage companies. When we choose an insurance brokerage company, we must pay attention to whether it has the legal qualifications to operate? Do you have a formal license?

If not, the loss caused to us in the subsequent claim dispute is very large. For more practical strategies for choosing an insurance brokerage company, the senior sister has sorted out this article, you may wish to refer to it: How to choose a good insurance brokerage company?

Therefore, it is beneficial to find a regular insurance broker to buy insurance, but at the same time, we should also improve our insurance knowledge! This collection of insurance knowledge, everyone remember to take a look: super complete! Everything you need to know about insurance is here.

1. Whether insurance is good or not depends on whether you buy the right type of insurance;

2. Whether you should buy it or not depends on your understanding and perception of life risks, which is more intense for women than for men, so there are more female customers who buy insurance;

3. Buying insurance is protection;

4. Claims shall be paid in accordance with the policy;

5. The participating insurance company has no commitment to this, what you see or hear is only the personal commitment of the first person.

6. What kind of insurance do you buy, and how to buy it?! Customers themselves need to first clarify their own needs (what they are worried about or what they want to achieve), and then implement open plan collection and comparison operations under their own limited economic conditions to see which insurance type or combination can most effectively meet their needs, that is what you want!

Of course, this kind of comparison, the simplest and most effective is to directly find a few local different companies of the best people, if you are worried about possible harassment or entanglement, now you can also online through the insurance bidding platform of the special third-party insurance intermediate station, directly and anonymously solicit the specific plans of different insurance companies, compare and choose.

Reliable, this is a contract with an insurance company! The insurance brokerage company you are talking about should be an insurance company, right? She should ** a number of insurance, you can rest assured, as long as you sign a contract with the insurance company, there is no problem, and there is a hesitation period, if you can surrender the policy in full within this period...!!

Insurance brokers have integrated the products of multiple insurance companies to design some products that are relatively suitable for themselves, and I think this concept is still okay. But because I haven't been in contact with insurance brokers before, it's not very clear. And there is a certain consultation fee to pay.

Senior sister can tell you that it is reliable to buy insurance through a regular and qualified insurance brokerage company. Before you start the analysis, you may wish to understand how to choose an insurance brokerage company:How to choose an insuredInsurance brokersDivision

1. Is it reliable to buy insurance through an insurance brokerage company?

First of all, we should be clear that an insurance brokerage company refers to an insurance intermediary that is established in accordance with the law: the insurance brokerage company represents the interests of the insured, designs an insurance plan for the insured, negotiates with the insurance company to reach an insurance agreement, solicits business for the insurance company, and collects commissions from the insurance company.

In other words, the insurance brokerage company is a state-recognized insurance intermediary platform, in addition to not being able to underwrite, it is no worse than the insurance company in other aspects, and can also provide risk assessment, risk management, insurance consulting or consulting services to policyholders.

Therefore, you can rest assured that it is quite reliable to buy insurance from a regular and qualified insurance brokerage company. So, what does a good insurance consulting platform or brokerage company look like? See here:

A good insurance consultationplatformThere are 3 requirements that must be met, otherwise it will be difficult to make a claim!

2. How to choose a good insurance brokerage company?

Not all insurance brokerage companies are reliable, and the following aspects can be used to judge whether an insurance brokerage company is qualified.

1. Whether there is a legal license. When we choose an insurance brokerage company, we must pay attention to check whether there is a national insurance brokerage license, and only insurance brokerage companies with legal licenses will be subject to the supervision of the China Banking and Insurance Regulatory Commission. The search method can be found on the official website of the China Banking and Insurance Regulatory Commission.

2. Whether the program experts can be neutral, objective and professional. High-level program experts can start from the real situation and vital interests of the policyholder, and configure a perfect, reasonable and cost-effective insurance plan for the policyholder.

3. Whether there is good service. A good insurance brokerage company should provide intimate process services, such as giving customers professional judgment and advice, reminding customers of matters that should be paid attention to, and the most important follow-up claims service.

For example, the exclusive peace of mind service of Shengshi Chuangfu Insurance Brokers **** is very good, when customers need to settle claims, we will come to assist in claims; In the event of a disputed case, we will have a professional team (claims, legal, underwriting, medical experts) to fight for the best interests of our clients. Hope!

Basically reliable. Insurance brokerage companies.

The establishment needs to go through the China Insurance Regulatory Commission.

approved, and the minimum registered capital.

Ask for 50 million.

A brokerage company is equivalent to an insurance intermediary, cooperating with insurance companies to customize insurance solutions and recommend products to customers.

Their business involves a wide range of lead slip form:

Life insurance, car insurance, property insurance, etc., insurance companies have all the businesses.

The biggest difference between them and Jean Fun Insurance Company is that they do not produce insurance themselves, but they can participate in the design of insurance products! Often, they work with a number of insurance companies to expand their reach.

First of all, let's talk about insurance brokers and insurance people.

The insurance ** person also belongs to an insurance company, and is the direct salesperson of this Xilujia insurance company, and can only sell the products of this insurance company.

An insurance broker is affiliated with an insurance brokerage company.

It is possible to sell the insurance products of the insurance companies owned by the insurance brokerage company.

So when we buy insurance, do we choose a **person or a broker?

Generally speaking, people can only sell one company's products, so they will face a relatively single product line and general product competitiveness in the market. However, the first person is the direct sales staff of a company, so they will have a better understanding of the processing process of a company's product underwriting rules, and have the opportunity to handle the customer's underwriting and claims services with higher efficiency.

Look at brokers again, insurance brokers can sell products from many companies, so it is easier for insurance brokers to choose among all kinds of products according to the needs of customers, and the products with relatively better cost performance and lower cost performance are lower.

Of course, whether it is a ** person or an agent, there are reliable and unreliable, and it is impossible to generalize. For example, do you like specialty stores, or do you like to go to the mall? Each has its own advantages and disadvantages, and consumers can choose according to their own habits.

You can shop around, and you can also make a final deal!

Test your anti-risk index, experts will interpret it for you for free!

Generally speaking, an insurance broker refers to an insurance broker in an insurance brokerage company, and an insurance person refers to a person in an insurance company. Insurance brokers and insurers can be said to play a "intermediary" role between policyholders and insurers, but the difference between the two is still not small.

1. The range of choices is different.

Generally speaking, insurers usually only sell the insurance products of one company, and insurance brokers will sell the products of multiple insurance companies at the same time.

If you want to choose a reliable insurance broker, what information should you pay attention to on the insurance brokerage platform? Let's take a look at what the experts say: a good Hewang insurance consulting platform must meet 3 requirements, otherwise it will be difficult to settle claims!

2. Represent different interests.

Insurance brokers provide intermediary services for policyholders and insurers to conclude insurance contracts based on the interests of policyholders; The insurer generally refers to the insurance business operated by the insurer based on the interests of the insurer according to the authorization of the insurer.

3. Different insurance methods.

Is there any difference between online and offline insurance channels? Let's take a look at what the experts have to say: Is it reliable to buy insurance online? What is the difference between online and offline insurance?

4. The scope of services is different.

The insurance person is generally responsible for selling the insurance company's products and collecting premiums; Insurance brokers generally customize insurance plans for policyholders according to their protection needs, assist in claims settlement and track claims in the future.

In general, if we buy insurance from an insurance broker, we can choose more products, and the insurance broker will customize a suitable insurance plan according to our own situation, and the follow-up insurance claims will also assist us to complete.

For Xiaobai, it may be more appropriate to choose an insurance broker to buy insurance, but in the end, how everyone chooses depends on everyone's actual situation.

1. The insurance broker is a third-party insurer. Just to introduce its insurance, purchase a complete set of services for the service, for online purchase, you need to find a professional platform, consult, and then consider whether it is beneficial. Relative insurance brokers can directly communicate with each other, direct Q&A, and let the insurance broker choose to make a plan before the purchase is being discussed, explaining the insurance terms, insurance coverage and term for you in detail.

2. The biggest advantage of insurance brokers is the problem of after-sales. Compared with buying on the Internet, the after-sales problem is a big problem, and it can only be communicated by looking for customer service or **, while the insurance broker can directly deal with the problem face-to-face, that is, it can deal with the problem in the first time.

3. Personally, I feel that insurance brokers are still relatively reliable. Of course, when choosing an insurance broker, you must choose a professional and responsible insurance broker, so that you will be protected, the insurance broker is a third party and does not need to pay any commission to the insurance broker, only need to pay the amount of insurance purchased.