How to consume insurance rationally, how to buy insurance rationally

Recently, I found that everyone asked this question a lot, in response to this question, I have also systematically shared it with you, so, today I will share the content of the sharing with you, I hope you can treat the content of the insurance contract rationally.

Every clause of the insurance has been reviewed by the CIRC and is certainly reasonable and compliant. People are afraid that they will not be able to pay compensation when they buy insurance. This is normal.

In this regard, insurance companies are also entangled. The comprehensive point of protection, the premium is too high, the people can't accept it, and they can't compete with large companies. The company can't survive, then the protection is less, the premium is low, and the first war, often many insurance companies have to fight the first war in order to survive, so that as long as the people encounter an insurance accident, regardless of thirty-seven twenty-one, directly find the insurance company to settle the claim, anyway, if you ignore the accompaniment, it is a lie, it is **.

In order to make their responsibilities clear, the insurance company made it clear what was not insured in the insurance clause. In case of a dispute, you can take the contract to talk about things, and the people are worth suffering dumb losses in front of the contract, because when buying the insurance contract, they only look at the **, and they don't even look at the details of the policy.

After so much nagging, let's share a few key points for buying insurance.

1: There are many types of insurance, there are investment classes, there are protection classes, it is best to buy protection classes such as serious illness, hospitalization, accidents, these types of insurance and then buy pension, investment insurance.

Two: an insurance can only protect one aspect of the problem, insurance is not omnipotent, only buy Shengtong investment insurance, in the event of a serious illness, then the insurance company must not pay, what they bought, what is missing must be clear.

Three: to buy insurance depends on the protection content of this policy, you get what you pay for, the cheap ones are sure to protect the types of insurance diseases, expensive, there must be expensive reasons, and it is very important to figure out what to pay and what not to pay. You can't be careless about major matters related to your own life.

Four: try to choose a larger insurance company, although the insurance company can not fail, but the solvency of the insurance company is also a very important business indicator, the company's solvency is insufficient, what money to pay for your compensation, Wang Xun such a company often has some unpleasant insurance experience.

Five: Be sure to listen to the opinions of professional insurance people, look at the insurance planning made by your own people, don't always look at what friends buy, what you buy, everyone's situation is different, to DIY personality customization. After the insurance person has finished planning, he feels that it needs to be verified, so he will consult the customer service of the insurance company about the authenticity of the policy content, and make the protection plan clear, so that the purchase is clear and clear.

Finally, I wish you all good luck, buy insurance that suits you, don't be lazy, ask more, many problems can be solved, insurance is the most complex product in the entire financial industry, therefore, everyone is a little patient, and everyone bears more if you don't talk about the bad places.

I usually use **regular investment, and I invest a certain amount of money every week to buy**, which is more rational.

I would put a lot of money into a wealth management product and then take out a small part of it to buy ** investment.

I usually spend 40% of my money to buy wealth management products, and I usually buy some more insurance products.