The starting point for customers to consider is now, but insurance is bought for the future. Therefore, some problems need to be considered in an abstract and long-term way.
There is no comparability between different types of insurance, which is a misunderstanding.
It is very important for customers to mainly consider their own needs. Popular insurance consumption, seemingly correct, is actually a mistake in itself. Insurance itself is the avoidance of future risks and the expectation of future life. It really belongs to the mode of private tailor. It is really important to know your own needs instead of blindly following others, which can avoid many misunderstandings.
Knowing your own consumption level is also a decisive factor, that is, the actual situation of premium.
After that, you should know the product form, not just list this information. Different product models have their own characteristics, but there are trade-offs behind each characteristic. Customers can't want everything. This is a process of discussing trade-offs with professional brokers.
In fact, the product doesn't matter whether it is good or bad, because it is the same for all customers. The key is how to plan the product and the future interests of customers can be relatively optimal. This is a key.
Insurance products, in addition to the product itself, customers also need to consider the professional factors of the agent's integrity and the size of the insurance company.
Not cheap for no reason, nor expensive for no reason. The market is fair. However, sometimes, customers don't understand clearly, thinking that they have picked up a bargain or suffered a loss. In fact, to be simple, it is most important to recognize the truth.
Choosing what suits you is the right choice.
Insurance is based on protection, and everything else is secondary. If the former's protection interests are not satisfied, any other interests are empty talk, and customers who pursue profits or return capital will find trouble for themselves.
It is suggested to make a choice after investigating the agent, insurance and rational cognition.
Insurance purchase order:
1, protect adults first, then protect children, because adults are children's insurance!
2, buy security first, then buy wealth management, because health is the key to everything!
3. Long-term payment for health insurance and short-term payment for financial insurance. Because health insurance can be exempted, financial insurance generally has the function of compound interest!
4, insurance to buy early to buy late, have to buy sooner or later; Buy more insurance, buy less, buy as much as possible!
5, insurance is first of all a gift in the snow, and then it is the icing on the cake!
The specific suggestions for insuring children are as follows:
1. To buy insurance for children, we must first consider whether adults have enough protection, and don't put the cart before the horse.
2. Don't ignore local insurance policies, such as whether there is medical security for the old and the young.
2. Children's insurance, and then talk about education funds on the basis of security.
3. In terms of security, accidents, serious illness and medical care must be considered.
There are three kinds of children's insurance in the market: dividend-sharing, universal and investment-linked. It is recommended to choose the first two.
5, insurance planning, do what you can, don't be divorced from the actual affordability, it is not insurance. It is best to solve whatever can be solved. Don't pursue one-step solution, solve it step by step.
6. Remember the additional exemption! !
6. It is unrealistic to buy insurance for children. Don't make too much preparations and plan your life. Treat it rationally and do what you can. You can set short-term, medium-term and long-term financial goals, but don't pursue perfection, reverse the order, and waste money.
7. It is very important to clearly understand the above requirements and rules, and then choose a qualified agent. It is also important to choose an insurance company.
8. I am the agent of Ping An, and I personally recommend paying attention to this insurance: Ping An Wisdom Star Children's Universal Insurance.
It is suggested to communicate with the agent in detail and verify it in many ways. After all, face-to-face communication is the most practical and effective way.
If necessary, you can also call the customer service phone of the insurance company for verification.