I won't bother to scold the people on the third floor who can relax in the summer. How many customers have you cheated? I haven't seen many customers fooled by Ping An Almighty these two days, and I am interested in checking my answer. Garbage products
I don't sell insurance in front of my children, and I never listen to other people's advice, but remember that good medicine tastes bitter and is good for illness, and advice when most needed is not heeded is good for action.
For the choice of insurance:
1. With regard to company selection, it is suggested to choose a company with a branch near the company, which is convenient for handling security, claims settlement and other matters, or a company with excellent local service and characteristics.
2. The purchase order of products is generally accident (recommended card list, high cost performance), term life insurance (for children), serious illness, hospitalization and allowance. Endowment insurance is not recommended at present, and the current products are not mature, mainly because market-oriented pricing has not been liberalized and fixed income is not high. The same is true of so-called wealth management products.
For children, the order should be: serious illness plus hospitalization, accident card list (accident card is cost-effective, 18-year-old children are more active)
3. In the setting of life insurance coverage (that is, the coverage of all death liabilities), we should choose different coverage according to the current situation, mainly considering several aspects: (1) the mortgage has not been repaid, and it is recommended to do special mortgage life insurance. (2) Children's future education and living expenses. (3) Parents' pension. (4) How much money to leave for your lover can keep the quality of life from declining.
4. In the choice of seriously ill products, women should pay attention to the responsibility of cancer in situ and systemic lupus erythematosus. Children are mainly concerned about the responsibility of malignant tumors (mainly leukemia and brain malignant tumors), benign brain tumors, encephalitis or meningitis sequelae. In addition, it is recommended to choose products with mild illness protection.
5. As for the scope of premium, it is suggested that the total investment in family insurance should be 65,438+00%-65,438+05% of the total family income, instead of 20%, which will cause obvious pressure.
Recommended products for serious diseases:
1. China Life Insurance-Corning Life Insurance 20 12 Edition.
2. Sino-British Life Insurance-Good luck and good health
3. Kunlun health-the fragrance of life
4. Sino-Dutch Life Insurance-Life Care D
5. Guohua Life Insurance-a child with mild and severe illness, whose name has been forgotten.
6. Haomiao Yongming Life Insurance-Jikangbao
7. Taikang Life Insurance (through agency channels)-Love.
8. Xintai Life Insurance (Pan-China Exclusive)-Health Guardian
Recommended products for regular life and additional serious illness.
China PICC- Carefully selected (almost the cheapest term life insurance on the market. )
The meaning of insurance, please search Paris mortgage life insurance in Baidu video, just one video. This is much better than domestic companies, which is very meaningful. This is the essence of insurance.