Have you ever bought insurance, which one is better, and which one is better to buy insurance

Any product of any insurance company has its own characteristics, and it is impossible to give objective advice without knowing your own situation. The best insurance product for you is the best, and it doesn't matter which product from which company.

In addition: the purchase of commercial insurance, the choice of due diligence is very important, will be directly related to whether the purchased products are suitable for themselves and whether they can get high-quality follow-up services, it is recommended that the landlord in the choice of people to work harder.

Women's major insurance Xinhua Insurance Company is still very good.

My company helped me buy pension insurance, and I still want to return it.

Answer: What should you do if you retire???

I don't know how I'm going to quit in the future.

Social insurance has been paid for 15 years and will be paid after retirement.

Because I have a rural hukou and work in other places, do you know how to get back?

The advice is not to return.

AIA seems to have an insurance called Rose, which specializes in covering the best diseases!

My company helped me buy pension insurance, and I still want to refund, I don't know how I will return in the future, because I am a rural hukou and work in other places, so do you know how to refund?

It's all dragging. Of course, buying insurance is Chinese life, and you can understand it by looking at the market share.

There is no problem with the insurance company, no matter which insurance company you insure, you must be clear about two points: 1. The purpose of your insurance (what worries to solve or what wishes you want to achieve); 2. Correctly understand that there will be the benefits of insurance (do not believe what a single person says and personal assumptions, and make some verifiable understanding through some neutral channels, such as online third-party insurance intermediate stations), then it is basically OK and there will be no problems. This is also what I emphasize to pay attention to the scientific insurance process:

Clarify the needs - > preliminary choice - > negotiation and verification - >effective choice". First clarify why you want to buy insurance for your child, what you are worried about or what you want to achieve, and then explain your approximate financial ability and premium budget, so that excellent insurance people can consider comprehensively, make a choice of priorities (not necessarily all your needs can be met, but there will be priorities), through a reasonable combination of insurance types to most effectively achieve your insurance needs, this is the scientific process. The most simple and effective way to operate the channel is to directly find the best people from several different local companies, explain the details and specific requirements, and conduct an open comparison to see which of the insurance solutions it provides is more effective for your needs, which is what you need.

In addition, if you are worried about being harassed or entangled, you can also directly and anonymously solicit specific plans of different insurance companies through the insurance bidding platform of Life Sky Insurance Intermediate Station online for comparison and selection.

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

59 companies participated in the evaluation in 2016Personal insuranceAmong the companies, 11 companies have been rated A, 35 are B, 12 are C, and 1 is D. among othersFour companies, including Pacific Life Insurance, Teckwah Angu Life Insurance, New China Life Insurance and Ping An Life Insurance, have been rated AA, which is the best in this rating; Shin Kong HNA Life Insurance was rated D, the worst performance in this indication.

58 companies participatedProperty insuranceAmong the companies, 10 have obtained Class A ratings, 38 have Class B ratings, and 10 have Class C ratings. among othersFive companies, including Pacific Property Insurance, Ping An Property Insurance, PICC Property Insurance, AXA Tianping Property Insurance, and Jintai Property Insurance, were rated AA, which is the best in this rating;

To create wealth, you should pay attention to the product itself when buying insurance, rather than depending on the size of the insurance company. Because the final claim involves the terms of protection, if the insurance company is good, but the coverage is defective, it is not worth buying. The products of large companies are not necessarily better than those of small companies, the key is to look at the terms of the product, so there are a few points to pay attention to when buying insurance:

1. Buy the right insurance: Generally speaking, most people need to configure medical insurance, critical illness insurance, medical insurance and accident insurance.

2. The amount of insurance must be sufficient: buy insurance to transfer risks, if the amount of insurance is not enough, then how much insurance to buy is useless, and it is not cost-effective, when the time comes, it is still yourself who suffers, especially critical illness insurance, it is best to buy 500,000 or more insurance amounts, covering 3-5 years of loss of work income!

3. The premium budget should be reasonable: how much the premium should be bought, the general situation is that it is recommended to be less than 10% of the working income, too high to have a financial burden, too low to buy the insurance protection is not perfect.

Precautions for buying insurance:

1. You must understand the insurance company. For policyholders, buying insurance is a long-term investment. Therefore, when choosing an insurance company, the policyholder must understand the basic information of the company, such as the registered capital, business development, claim settlement, etc., so as to have a good understanding of it.

2. Buy insurance to "shop around". As long as you compare carefully, you will find that the same insurance will be different in different insurance companies in terms of contributions, insurance coverage, and insurance compensation. Policyholders must have a good idea when buying insurance, and must not buy blindly.

3. Be assertive when buying insurance. When buying insurance, you must be assertive, and you must not listen to and believe partially. After all, everyone's situation is different, so the answer when choosing insurance will definitely be different.

4. Must read the terms of the insurance. Before applying for insurance, the policyholder must carefully study the two parts of the insurance liability and liability exemption in the insurance clause, and whether there is any special agreement.

5. Avoid impulsiveness when buying insurance. Before buying insurance, you must consider what insurance you or your family need and how long you should insure.

Further information: The two hard indicators proposed by the China Insurance Regulatory Commission are used to measure the adequacy of the solvency of insurance companies

1. The core solvency adequacy ratio is higher than 50%;

2. The comprehensive solvency ratio is higher than 100%.

Young people in modern society are under too much pressure, such as housing loans, car loans, etc., and insurance is also very necessary in addition to social security. There are three main personal risks faced by young people: accident, illness and survival, which involves accident insurance, health insurance and life insurance, of which health insurance includes critical illness insurance and medical insurance.

Not long after leaving the society, the income is unstable, and the critical illness insurance can be referred to: Top 10 Cheap and Good Price Critical Illness Insurance!

1. This is selected according to your actual needs and actual situation.

2. Don't care about how to choose an insurance company, there is no operability in fact, the scale of domestic insurance companies is large and small, but everyone is unified national supervision, and the degree of safety is the same; All of them are based on the specific policy terms as the contractual principle, and there is no question of which claim is good and which is bad; Everyone is a unified insurance design background parameters, there is no good or bad insurance or special advantages, whether it is the rate or insurance content there are big and small differences, the purpose is to follow the insurance function in the general direction, and meet the detailed needs of different customers in the small direction, which is a reasonable choice of insurance. We know that the basis of a suitable insurance is whether the insurance benefits of this type of insurance are the most effective and most directly aimed at the needs of customers (the purpose of buying insurance), the higher the degree of match, the higher the efficiency of this type of insurance, which is generally said to be cost-effective. The key is to buy the right type of insurance.

First of all, clear needs and clear directions are the first steps to buy insurance correctly, the so-called insurance needs, that is, why buy insurance, what problems do you want to solve, or what wishes do you want to achieve? Maybe there are a lot of requirements and expectations, and it doesn't matter, but it's best to keep them in order;

Then it is to explain their approximate economic ability or approximate premium budget, in fact, all your needs may not be met, excellent insurance ** person is to consider comprehensively, make a trade-off, through a reasonable combination of insurance to achieve your insurance needs most effectively. After the premise is clear, implement open plan collection and comparison operations to see which insurance type or combination can most effectively meet your needs, that is what you want! If you are worried about possible harassment or entanglement, you can also go online through the insurance bidding platform of the intermediate station of Life Sky Insurance, according to the set standard process, directly and anonymously solicit specific plans of different insurance companies for comparison and selection.

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