1. Why should I buy insurance? What's the use of this insurance for me? 2. What impact will this insurance product have on my life? 3. What is my purchasing power and renewal ability? For example, people with average economic conditions may fall into collapse because of a serious illness at home. At this time, they need extra allowances to make their families run normally. People who enjoy social medical insurance need the protection of commercial insurance when the medical expenses are high.
The next thing is to determine the insurance company after you have determined the type of purchase. The quality of life insurance company is related to your future protection. Therefore, you must know about many insurance companies when buying insurance, such as visiting in person or consulting by telephone, and you must not listen to hearsay. It is suggested to choose a company with stable operation, good service, reasonable price and fast billing, especially the service. Specifically, there are the following aspects: First, solvency: the solvency of an insurance company is the ability to pay insurance premiums, which is expressed by the amount of actual assets MINUS actual liabilities. The solvency of an insurance company is the most important factor affecting the company's operation. Only when an insurance company has sufficient solvency can it ensure that it has enough funds to pay insurance money to the insured and ensure the normal operation of the insurance company. In recent years, many insurance companies have been stopped by the Insurance Regulatory Bureau to open new branches due to insufficient solvency.
Take China Life as an example, its registered capital is 26.765 billion yuan, and its solvency adequacy ratio is 289%, which is far higher than the minimum requirements stipulated by the regulatory authorities. Is a sound insurance company, which can effectively prevent capital risks.
Second, the choice of insurance: at this stage, there is basically no big difference in the insurance clauses provided by general insurance companies. What the applicant needs to know in detail is the specific content of the terms involving his own interests, such as the types of underwriting risks, insurance liabilities, insurance income, insurance period, payment methods, etc. In terms of insurance protection, citizens should choose a better insurance company, so that it is easier to buy insurance that suits them.
Third, the practice of claim settlement: claim settlement is another important aspect for citizens to understand insurance companies. Citizens can learn about the claims information of insurance companies through the CIRC, the media, insurance agents and their friends. In 2005, the CIRC conducted a petition investigation. Among all life insurance companies, China Life has the smallest proportion of complaints from its own customers.
The fourth is underwriting ability. In most cases, only the insured or the insured who meets certain conditions can be accepted as consumers by insurance companies. For insurance companies, there are three options: underwriting; Refusing to insure; Accept insurance, but make some changes. The public can learn about the underwriting ability of insurance companies from the huge insurance policies or well-known insurance policies once underwritten by insurance companies.
Fifth, after-sales service: when choosing an insurance company, we should pay attention to its service quality and quantity from two aspects, one is the service that can be obtained from the agent of the insurance company, and the other is the service that can be obtained from the insurance company. Whether it can provide convenient after-sales service is the key for citizens to choose insurance companies. At present, there are several large insurance companies in China that can provide a wide range of national services. Among them, China Life has more than 4,000 service outlets and 955 19 service lines, covering the whole country.
It's not enough to finish this. Buying insurance will eventually come into contact with the specific individuals of the insurance company, that is, insurance agents.
The quality of salespeople is very important, and their suggestions and explanations on insurance products will directly affect future services and your rights and interests. According to insiders, 90% of disputes between policyholders and insurance companies are due to false or insufficient explanations by salesmen. It is suggested that when choosing a salesman, you can know the basic situation from the insurance company. More importantly, you need to read the official materials issued by the insurance company carefully. If in doubt, you can find out through the insurance company's telephone number.
An insurance agent (also known as a salesman) refers to an individual who collects agency fees from the insurer on the basis of the insurer's entrustment and handles insurance business on his behalf within the scope authorized by the insurer. Anyone who holds a qualification certificate and applies for personal agency business must sign an insurance agency contract with an insurance company, hold the exhibition certificate issued by the insurance company, and the insurance company can engage in insurance agency business only after reporting to the local branch of the People's Bank of China for the record.
Personal agent's business scope:
1. Acting to promote insurance products; 2. The agent collects the insurance premium.
Choosing an agent depends first on whether the agent is honest, reliable and responsible, and whether it really considers the insured and the insured. "The most important thing is to see whether he is simply selling insurance or whether he can really consider the problem from the actual needs and financial situation of customers, whether he can clearly explain the advantages and disadvantages of insurance types, and whether he can introduce the provisions on non-coverage and liability exemption."
Any insurance policy has the scope of non-coverage, but some agents deliberately omit this item when introducing products to the insured and the insured for their own performance needs, saying that the policy covers everything and pays for everything, so that people who don't understand insurance can also take out insurance. As a result, when an insurance accident occurs, the insured finds himself misled when applying for claims, which leads to clause disputes and even claims litigation. In the end, the insurance policy he paid for became a piece of waste paper and suffered losses in vain.
Insurance prevents losses after risks occur, minimizes our losses and protects our lives. This is an indispensable tool in life.