How about insurance, and is insurance good?

Solution: Hong Kong insurance premiums are cheaper, the coverage is large, and the claim terms are relaxed. Because Hong Kong is one of the three major financial centers in the world, Los Angeles in the United States, London in the United Kingdom, and Hong Kong in Asia.

Therefore, you can enjoy lower premiums and higher returns when applying in Hong Kong. At the same time, most of the world's multinational insurance companies operating insurance business in Hong Kong, coupled with Hong Kong's complete legal system and strict supervision by the British legal system, all provide policyholders with a high degree of integrity and comprehensive protection. 1. For the insured of the same age, the Hong Kong premium is usually 60%-70% of the domestic policy2. If it is a critical illness, more diseases are covered, and 52 kinds of early-stage critical illnesses are also covered, and the coverage is more comprehensive.

3. After five years of the policy, the value has been higher than that of the domestic policy. What does this mean? Illustrate two....

One person does insurance, the whole family is shameless, and he is cautious.

Do you feel like you're the right fit?

It's about running around!

Very tired, to pull the insurance also depends on the opportunity, it is likely that you have introduced a lot, or did not negotiate an insurance, and there is no fixed time, with the change of the customer's time, and this industry must be thick-skinned, otherwise it will not be able to pull.

It is difficult to say about welfare, because after the WTO, some foreign insurance industries have also been injected into the mainland, so the domestic insurance is in urgent need of insurance people, and foreign countries are robbing, because foreign insurance is relatively more attractive than domestic ones.

Arnold answered:

Hello! Each product of the insurance company is sold in the market under the supervision and support of the Insurance Authority, and it has a certain protective effect. The key is to see if you have the right product for you.

There are also many people who ask questions such as what insurance is the best, in fact, they are all the same, there is no best insurance, only suitable insurance.

In the case of your travel insurance event, it should be that the travel insurance you purchase does not cover the risks and unexpected events you will experience. This means that you are not having the right travel insurance product. Don't follow the trend when buying insurance, the right insurance for your colleagues may not be right for you.

Therefore, when choosing insurance, it is necessary to follow the advice of the insurance company's professionals according to factors such as destination, travel time, and events experienced. In this way, you can buy suitable and high-quality insurance products.

Instructions for use: After the coin, Brother Yangzi will protect you.

Insurance is beneficial.

Social insurance is a certain benefit for everyone.

Commercial insurance is an investment, as long as you have money and the desire to invest, you can consider investing.

According to your own needs and abilities, you can do what you can to insure. It's good to be able to actually benefit yourself instead of blindly taking out insurance.

Disagree with the view of the first floor that "insurance premiums are wasted".

Because you buy insurance to diversify the risk and transfer your risk to the insurance company, to put it bluntly, the insurance company sells a product and a service, you pay the premium and get the service provided by the insurance company, how can it be said that it is a waste?

There are good and bad insurance companies, so it's impossible to judge whether it's good or bad.

Insurance companies are reliable, the CBIRC has strict supervision over the establishment, operation and other aspects of insurance companies, each insurance company is established by the CBIRC layers of screening to be established, not only for shareholders financial strength and credibility has strict requirements, but also solvency indicators need to meet the minimum standards stipulated by the CBIRC.

So when we look at whether an insurance company is good or not, what problems should we pay attention to? Details can be stamped:When we look at insurance companies, what exactly do we look at?

Moreover, insurance companies will also be subject to the Insurance Law, and when we purchase insurance products, their contracts will also be protected by law.

In addition, some small partners may be worried about the bankruptcy and bankruptcy of insurance companies, in fact, the probability of bankruptcy and bankruptcy of insurance companies in China is very small, that is, if the insurance company is really bankrupt, then our policy will also be transferred to other insurance companies for acceptance, which is often not affected.

In addition, the senior sister needs to remind everyone that when choosing insurance products, don't pay too much attention to the reputation of the insurance company, the most important thing is to see whether the insurance product is good or not, whether it is cost-effective, after all, after the accident, how to pay and how much to pay are in accordance with the terms of the contract. So when we buy insurance, what types of insurance should we buy first? Details can be stamped:

With so many types of insurance, which one should I buy first? Hope!

Unreliable, the insurance company --- hiding a knife in a smile.

1. Insurance salesmen conservatively estimate that 80% are defrauding customers. This includes both intentional and unintentional. The ultra-high elimination rate of salesmen of insurance companies is extremely irresponsible to customers.

For example, if someone later discovers that he has been deceived by an insurance salesman and complains to the insurance company, the salesman has left the company. At this time, even the complaint is "the blind man lights the lamp in vain".

Most salesmen stay in the insurance company for only one month, less than 7% stay for two years, and less than 2% stay for five years.

At present, almost all insurance companies in China have a unified sentence when they make mistakes: "There is no standard for China's insurance industry, and we are still learning" to excuse themselves. We might as well ask, "If you are studying, should the client pay for you?"

This bandit logic has become a simple or unwritten rule for all insurance companies. Ten years ago, it was a sentence, and today it still does not change a word.

2. From the nature of the contract, the insurance contract is a very unfair contract, because the text clauses of the contract are unilaterally formulated by the insurance company, and some of the text clauses are interpreted in a variety of ways, so once the lawsuit is filed, it is the customer who suffers. Insurance claims are even more troublesome, the insurance company will not settle the claim so simply, maybe 80% of them are going to court to litigate, that is, once you sign an insurance contract with the insurance company, the rate of you and the insurance company in the future is 80%, unless you give up the claim, the 80% can win the lawsuit is about 15%, because the text terms of the insurance contract are interpreted in a variety of ways, and the normal claim is 20%. Therefore, if you buy an insurance policy, the probability of getting a claim is 35%. ”

The insurance company is reliable, and the insurance sold to you by the salesman is also reliable, because it is a contract signed with the company. The key is: 1. The person who sells is reliable or not, that is, whether what he introduces is true or not; 2. This insurance is suitable for situations that are not suitable for you.

It is still necessary for insurance, especially critical illness, and of course, the purchase rate is very high for people in their 50s. If this insurance is only for critical illness protection, and there is no such thing as dividends, then the place that needs to be paid attention to is the issue of liability. For example, many sales clerks will say that as long as the hospital diagnoses a certain critical illness, they will make a claim, but in fact it is not necessarily the case, you need to look at the details of the terms, the terms will list the serious illness items, and the relevant explanations, and only when the relevant explanations are met, the claims will be made.

For example, stroke is in the scope of claims, but it must meet the description of the terms, such as not being able to take care of yourself or something. If you are careful, you can find that the amount of compensation for critical illness is about the same as the amount of compensation for death, so you should know that Kongqin is not as simple as making a claim if the diagnosis is that disease.

1. What happens if the insurance is not paid?

If the premium is not renewed at the expiration date of long-term insurance, it will go through three phases from the date of maturity, namely: grace period, suspension period and termination period.

1) Grace period: It refers to the 60 days from the expiration date, the insurance can still make a claim, and the insurance can be settled as usual. Surrender within the grace period is generally linked to the insurer's clear definition of the cash value.

The cash value given for surrender during the grace period for renewal is different from year to year, and therefore the surrenderable premium is affected differently. In general, the later the policy year, the higher the cash value of the policy and the higher the premium refund. If you still don't want to surrender the policy within the grace period and don't want to pay the premiums, you will go through the next stage.

2) Suspension period: refers to the period of more than 60 days but not more than 2 years. If the insurance occurs during the period, it cannot be paid, and you need to apply for reinstatement, depending on the terms of each insurance company.

3) Termination period: After the termination period, that is, after two years, the policy will be invalidated, no further premiums can be paid, and the policy cannot be restored. At this point, the insurance company returns the cash value of the policy, which will be much less than all the premiums paid.

Therefore, if the insurance is not paid, whether it is Chinese life or not, it will face these three stages, and if measures are not taken in time, it will inevitably suffer losses.

2. What happens if the insurance is not surrendered in time?

There are also several phases of insurance surrender: hesitation period, hesitation period, and termination period.

Insurance companies are reliable, the China Banking and Insurance Regulatory Commission for the establishment of insurance companies, operation and other aspects of strict supervision, each insurance company is established after the CBIRC screening layer by layer to be established, not only on the shareholders of the financial strength and credibility of strict requirements, but also solvency indicators also need to meet the minimum standards stipulated by the CBIRC.

So what issues should we pay attention to when we look at whether an insurance company is good or not? Details can be stamped: When we are looking at insurance companies, what exactly do we look at?

Moreover, insurance companies will also be subject to the "Insurance Law", and when we purchase insurance products, their contracts will also be protected by the law.

In addition, some small partners may be worried about the bankruptcy of insurance companies, in fact, the probability of bankruptcy and bankruptcy of insurance companies in China is very small, even if the insurance company is really bankrupt, then our policy will be transferred to other insurance companies for acceptance, often will not be affected.

In addition, the senior sister needs to remind everyone that when choosing insurance products, don't pay too much attention to the reputation of the insurance company, the most important thing is to see whether the insurance product is good or not, and whether the cost performance is high. So when we buy insurance, what types of insurance should we buy first? Details can be stamped:

With so many types of insurance, which one should I buy first?

Dear, hello, happy to answer for you 1. Chinese Life Insurance (the world's top 500 enterprises, China's top 500 products, national vice-ministerial units) 2. Ping An of China (China's first joint-stock insurance company) 3. Chinese Insurance (one of the world's top 500 companies, one of the largest insurance companies in the world) 4. Anbang Insurance (one of the largest group companies in China's insurance industry) 5. Pacific Insurance (the second largest property insurance company in Chinese mainland, second only to China Property Insurance, and the third largest life insurance company) Compared with insurance companies, it is more important to pay attention to whether the insurance product is good or not. For example, when choosing critical illness insurance, choose products with additional compensation for critical illness, comprehensive coverage of high incidence and mild and moderate diseases, and malignant tumors - severe multiple claims, so that you can more effectively resist the economic risks caused by critical illness for the rest of your life, and wish you good health and happiness every day