First of all, I suggest you write down which region or city you are in first, so that local business colleagues can help you and avoid receiving many invalid replies. In addition, different companies and regions have different insurance types and underwriting rules.
Personal advice, consider insurance from the following aspects.
Before considering the insurance scheme, it is suggested to consider the following two issues:
1. Salesman: Whether a salesman has a sense of responsibility and how long he can work in an insurance company is related to whether someone will serve you in the future and how long he can serve you.
2. Company: The strength of an insurance company determines what kind of service it can provide, and the reputation of this company is also a reference. As the saying goes, gold cups and silver cups are not as good as the reputation of ordinary people.
Let's consider what kind of insurance plan to choose and how to plan our own insurance plan:
1. Serious illness insurance, although there is social security, after all, social security is only the most basic guarantee, and there are still many restrictions. Moreover, social security belongs to the nature of reimbursement after seeing a doctor, which can not solve the problem of tight funds at the beginning. Therefore, critical illness insurance must be considered. This is the most basic guarantee, just in case. Just like a goalkeeper in a football match, you can live without it for a long time, but you can't live without it.
2. Accidental injury protection, as the saying goes, risks are everywhere. Any accident that happens to others is just a story. If it happened to me, it was an accident. In the end, both the living and the dead will be uneasy. So this must also be considered.
3. Supplement to personal pension. The slogan of social security is "wide coverage, low level". After getting old in the future, the pension received by social security can only meet the basic needs of life. Therefore, if you want to live a happier life in the future, you should still consider your future pension supplement while you are young. However, the investment in insurance should be based on stability, and try to choose the types of insurance with guaranteed capital and guaranteed income. Everything is written in the insurance clause, which is a legally binding contract. Investment is just what you have to do with the money left after ensuring the basic living standard.
4. It is family finance. As the saying goes, if you don't manage money, money will ignore you. Nobody wants to live an ordinary life. Of course, no one wants their children to lose at the starting line. Therefore, family financial management is also an aspect that needs to be considered when family conditions permit.
As for what kind of trap, it is simply the following two points:
Look at the salesman first. If this salesman can't pass CET-4 or CET-6, then change it.
Furthermore, in terms of insurance, the salesmen of some companies like to promote universal insurance, saying that access is flexible, income is still high, and protection is still complete, but individuals are very pessimistic about universal insurance, because the salesmen did not say that 50% of the first year's payment will be deducted first, and universal insurance will be deducted for life. He didn't say that his so-called flexible visit was just a rhetoric. What's more, the income from fraud is extremely high, and the funds returned are extremely fast. If universal insurance is really so magical, who will buy any fund stocks, what insurance will salesmen sell, and will not get rich in advance by buying universal insurance?
China Pacific Life Insurance, as one of the three "national prefix" life insurance companies, has stable operation, excellent performance, strong strength and reliable reputation. Moreover, many guarantees of our company are also in the leading position in the industry, with comprehensive guarantees, excellent terms, low rates, convenient and fast claims settlement and high return on investment.
The latest honor of our company: In 2008 and 2009, China Pacific won the honorary title of "Top Ten Comprehensive Strength of Beijing Insurance Industry" in succession, ranking first (see Beijing News for details).
On 20 10 65438+ 10/0/8, China Quality Miles Promotion Association announced the results of an unannounced visit to the service quality of Pacific Insurance customers: after field investigation on the service quality of Pacific Life 1 1 service agency window, the overall evaluation of the company's service quality was Grade A, and the qualified rate reached/kloc. China Pacific Insurance was awarded "Excellent Member of China Quality Miles". So far, Pacific Property & Casualty has been among the best in the unannounced visits to the window service quality of the property & casualty insurance industry for 8 consecutive years.
I hope my answer can help you.