What do you think you need to pay attention to when buying insurance?

When adults buy insurance, these four misunderstandings most often occur: 1In order to receive more wages, do not buy social security; 2.

Always thinking about one insurance to cover everything, but as a result, I bought expensive and useless insurance; 3.Listen to the misleading to buy returnable insurance; 4.The children and the elderly are all protected, but they have no protection at all.

It is important to understand the expenditure of premiums, which should be 10%-15% of the annual income, and the sum insured should be set at 6-10 times the annual income, which is the best, but it should be analyzed on a case-by-case basis.

Be sure to fully understand the specific matters of insurance, the amount of compensation or the beneficiary, etc., so as not to deal with problems in the future and find trouble for yourself.

The most important point is not to buy insurance as an investment, because the nature of the two is completely different, although the insurance will be returned in the end, it is more important to understand this.

I think for adults, buying insurance should first buy social security, and then you can choose to buy some commercial insurance to supplement, because social security is the foundation, and commercial insurance is supplementary.

I feel that the sooner you buy the gross insurance, the better, because in the case of the same degree of protection, the premium paid will increase with the age of the policy.

I think it is more important to plan commercial insurance under the premise of social security, focusing on accidents and critical illnesses, and social security and commercial medical insurance, which cannot be reimbursed repeatedly.

I think the first consideration is the age factor, according to your age to choose the right insurance for yourself, I feel that the current insurance is based on age.

In particular, it is recommended to correctly understand the benefits of insurance, and do not believe in the words of a single person and personal assumptions, or through some neutral channels.

At the same time, pay attention to the security of family members, protect the people around them as much as possible, and achieve comprehensive family protection, otherwise the protection is unbalanced, and the meaning of protection will be missing.

It is necessary to understand what problems insurance can solve in life, what problems you want to solve, and buy the right insurance to solve the right problems.

According to their actual needs and economic ability to insure, truly do, clear consumption, down-to-earth enjoyment. Otherwise, due to one's ignorance for the time being, it may be exchanged for infinite troubles in the future.

NowI also looked at it when I bought the insurance, but I hadn't read it carefully before, so I was deceived, and after I gained experience, I started to read these terms

Everyone buys insurance, but you can't just buy insurance, there are many things you need to pay attention to. So, what are the precautions for buying insurance?

First, the terms of the insurance should be clear and clear.

When many people buy insurance products, because the terms of insurance products are usually relatively long, they do not read them carefully, and they may not even understand what the terms are saying before applying for insurance, which is not feasible.

Therefore, the terms of the insurance must be clarified, because this is related to the future settlement of claims, and it is also the core of the insurance product. Whether it is benefits, protection, or exclusions, they will be listed in detail in the terms. If you don't understand it, it's best to find a professional to explain it when you apply for insurance.

2. When the insurance company inquires about the situation, it should truthfully inform the fetish.

The Insurance Law of the People's Republic of China clearly stipulates that when the insurer and the insurer sign an insurance contract, the insurer must truthfully inform the policyholder when asking the policyholder about the subject matter of the insurance or the relevant information of the insured. This is an obligation that the policyholder must fulfill, if the policyholder deliberately does not truthfully inform, or if the person fails to truthfully inform because of some gross negligence, it may affect the insurer's decision on whether to underwrite and the amount of insurance premium, so the insurer has the right to terminate the contract.

Therefore, when we buy insurance products, we must not think that it is okay not to tell the truth, especially those who are suffering from diseases, we must tell the truth about the eggplant, so as to avoid future troubles.

Although the selection of insurance products according to the company may not be the most scientific and reasonable path, it is undeniable that the insurance company is indeed a subjective factor that is difficult to ignore in product selection and comparison.

Today, Xuejie has found a new way to line up 91 domestic Qinnian life insurance companies based on the three dimensions of solvency, service rating, and SRMRA evaluation system, and selected the best of the best among the best in 2019 to select 10 insurance companies with super comprehensive strength in 2019 for readers.

Without further ado, let's go straight to the list:Which is the best top 10 insurance company?

Here's an explanation of what these indicators mean:

Solvency: The ability of the insurance company to repay the debt, in layman's terms, is whether the insurance company has the financial ability to compensate the insured under the contract.

Service Rating: Life and property insurance companies that have been in business for one year or more will be evaluated once a year. According to the score, the service rating of the company is divided into four categories: A, B, C, and D, with a total of 10 grades.

Service ratings of individual insurance companies can be obtained at the end of the article above! ）

SRMRA assessment system: The system has 9 assessment items, including the basic environment (organizational structure and assessment, etc.), objectives and tools (establishing a risk appetite system and management tools), and seven risk management capabilities. Project soundness and compliance effectiveness of the 9 projects were weighted at 60% and 40%, respectively.

Buying insurance is a common thing, and almost every family has it. Insurable terms are often our biggest headaches. Because there are a lot of insurance clauses, some of them are not easy to understand. Therefore, we must pay attention to the following points when purchasing insurance:

Clause. 1. Look at the terms of insurance: If people want to accurately understand the content of insurance before buying insurance, they must look at the terms of insurance. The insurance clause is the core content of the insurance contract signed between the insurance company and the consumer, which stipulates the rights and obligations contained in an insurance. Clause.

2. Look at the insurance liability of the insurance clause: In addition to the payment of fees and other items, the key content of the insurance clause is the insurance liability. Generally speaking, except for the insurance liability, the other contents of the insurance clause are basically the same, and the distinction between various insurances is mainly in the insurance liability.

Of course, sometimes it is also necessary to look at the exclusions, to see under what circumstances the insurance company can not be liable for compensation and payment; In some cases, it is also necessary to look at the regulations and notes that are unique to certain insurance products. Clause.

3. Look at the introduction of insurance products: Many people often can't understand the terms of insurance, so the most popular way to read the written materials is to read the introduction of insurance products. Since the insurance product profile may sometimes contain inaccurate expressions of packaging and beautification products, it is best to understand it in comparison with the insurance terms after understanding the insurance profile.

Clause. Fourth, understand the payment and receipt of money: The core content of insurance that people need to understand is to pay and receive money. This includes three aspects:

One is how much money to pay and how much to receive in the future; the second is the time and method of payment, the time and method of receiving money in the future, such as how long, one-time or installment, etc.; The third is the conditions for receiving money, such as under what circumstances you can receive money, under what circumstances you can't receive money, and so on. Clause.

5. Implement the content of the understanding into the text: Not everyone can understand the written materials by themselves, so if you want to understand insurance, the most direct way is to understand the salesman's introduction to insurance. There is only one key point at this point:

Write down what you have learned one by one, and find the corresponding part of the insurance clause one by one to confirm it. Clause.

6. Fill in the insurance policy truthfully and sign it in person: There are many contents to fill in on the insurance policy, including some privacy content. Whatever it is, be sure to fill it out truthfully and sign it in person at the end.

Otherwise, the insurance company may refuse to pay or pay the insurance benefits on this basis in the future. Clause.

7. List comparison: If you feel overwhelmed by the amount of information you need to know about insurance, you may wish to list the features and advantages and disadvantages of each possible plan and compare them. The list is simple, you can start by listing a few features of each plan, a few advantages, and then a few disadvantages.

Clause. 8. Find the most trusted person to buy insurance: Due to the complexity of insurance products, many people cannot distinguish the good and bad of various options in a short time, so the most convenient way is to find the most trusted person to buy insurance. Insurance buys protection, not pitfalls.

Therefore, when we buy insurance products, we must keep our eyes open to prevent being deceived.

When adults buy insurance, these four misunderstandings most often occur: 1In order to receive more wages, do not buy social security; 2.

Always thinking about one insurance to cover everything, but as a result, I bought expensive and useless insurance; 3.Listen to the misleading to buy returnable insurance; 4.The children and the elderly are all protected, but they have no protection at all.

According to your actual situation, you must pay attention to the content of the insurance policy to avoid unnecessary troubles in the future.

Before buying insurance, you must recognize your actual needs and budget, and you must pay attention to the content of the policy to avoid unnecessary troubles in the future.

To find a reliable insurance company, this company can be small, but it must be formal, and then choose according to your actual situation. Otherwise, if you don't choose the right product and spend the money, but you can't get a good guarantee, wouldn't it be a loss. After choosing the product, you must pay attention to the content of the insurance policy to avoid unnecessary troubles in the future.

High medical expenses are the number one risk for families.

Objective facts, the policyholder, the insured, must have, three to five certificates, lawyer certificates, physician certificates, guarantee renewal guarantees, including compensation certificates, accounting certificates, rest assured that you can't go wrong. The common people have long known the facts and played with words.

There are many types of insurance, social security, medical insurance must be bought, and property insurance is required. Other commercial insurance is only bought at a loss, and there is no benefit in being deceived. Stay away from insurance to be insured, and money is the safest in your own hands.

Consider the big insurance company first, and then consider who to buy it for (generally first to the main income earners), how much premium to pay (10% to 20% annual income of the insurance category), whether the protection is comprehensive (priority accidents and critical illnesses), and whether you can buy it if you don't reduce your standard of living.

Before buying insurance, you must consider what insurance you or your family need, how long you should insure, etc., parents who want to prepare for their children's education**, dowry, etc., can apply for children's insurance or education insurance; If you are worried that you or your family will not be able to afford the medical expenses if you or your family suffers from a serious illness, you may want to consider purchasing a medical insurance ......If the policyholder impulsively takes out the insurance without considering its practicability, he will often make the insurance he bought not work.

Before applying for insurance, the policyholder must carefully study the two major parts of the insurance liability and liability exemption in the insurance clause, and should understand what the insurance liability of this insurance is? How do I pay? How do you benefit?

Whether there is a special agreement, etc. If you are not sure about some overly professional insurance terms, you should consult the relevant person of the insurance company.

Nowadays, some lawless people in the society defraud customers of money in the name of selling insurance, so when buying insurance from the insurance officer who sells insurance at home, it is necessary to identify the authenticity of his identity. According to the relevant regulations, the insurance marketer of the insurance company must hold a certificate to work, and must have the "Insurance Qualification Certificate" and the work permit issued by the insurance company, so if you want to verify your identity, you must see if you have these certificates.

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.

As long as you compare carefully, you will find that the same insurance will be different in different insurance companies in terms of payment, insurance coverage, and insurance compensation. For example, for the same serious illness medical insurance, some insurance companies can cover 10 kinds of serious diseases, some insurance companies only cover 7 kinds of serious diseases, some are insured until the age of 70, and some are responsible for life, but the premiums paid are almost the same. Policyholders must have a good idea when buying insurance, and must not buy blindly.

Some people think that acquaintances or relatives and friends will definitely not be wrong to introduce them, and buy them without looking at the terms of the insurance. In this case, the buyer will often regret the insurance after buying it, because it is not suitable for him, and he will suffer a great loss if he does not return the insurance. Therefore, when buying insurance, you must only choose protection and not pay attention to human feelings.

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.

Some people think that any company will do, and the insurance company will not fail anyway; Anyway, there is a pick-up man Wrong and wrong, when we buy insurance, we must first choose a good company, which is the most important. Because, no matter how good the person who sells you is, he shush you every day--- in the end, when there is a real risk (buy insurance to resist unknown risks), it is the insurance company that pays you according to the system, not human favors, this is for sure! So be sure to choose a good company!