Anti-routine 1: Recognize the essence of dividend insurance.
Before, my senior sister saw a question that many friends talked privately in the background: I bought dividend insurance under the propaganda of my agent, saying how much income I would get after many years. What if the income can't be reached at all?
There is a certain income from sitting, and everyone is happy to finish it. But as a result, who knows that this income appreciation is not only slow, but also not very simple to take out! At this time, everyone will be angry. What lies are sold here!
If you understand the essence of dividend insurance, you can know that its income is not guaranteed, but the agent exaggerates in order to rush the performance, just to cheat you to buy it.
In view of dividend insurance, some people are not suitable for insurance. If you understand its essence and significance, you won't be fooled by the agent:
"Why is the complaint about dividend insurance so high? Unveil the mystery of dividend insurance. "
Anti-routine 2: Be cautious about health notification
If the insurance salesman tells you that health advice is not important, you don't need to take it too seriously. Hit him. It's just that even if you agree with what he said, just hit yourself and wake yourself up!
Health advice is mainly about whether you can get claims smoothly when you appear in the future. Many cases of unsuccessful claims are generally that you didn't take health advice to heart before.
When you ask health questions, you must remember the principle of "Answer any questions, don't ask, don't answer, and answer truthfully". After the notification, the insurance company will announce the underwriting results for everyone. There will be three situations, that is, refusing to insure for normal underwriting or increasing underwriting costs.
If you are lucky and deliberately don't answer truthfully, then the result is to refuse insurance!
Anti-routine 3: High coverage rate of high-incidence diseases is the key.
The purpose of buying insurance is to protect yourself, so the number of diseases is more, okay? The answer is: no, more does not mean useful. Most data show that the highest incidence rate of 28 diseases stipulated by China Banking and Insurance Regulatory Commission is as high as 95% in payout ratio.
The specific diseases are as follows:
Therefore, we don't have to worry about how these insurance agents boast about the quality of insurance products, and don't trust them. Some can only be said to be the finishing touch. It is impossible to formulate a single insurance policy for all these products. The high coverage rate of high-incidence diseases is crucial.
Learn insurance knowledge in case it is routine, such as the knowledge about the number of diseases, which has been specially analyzed by senior sisters before. You can learn from this article:
Is the number of minor illnesses in critical illness insurance as large as possible? 》
Counter-routine 4: Don't surrender after the hesitation period.
Parents go to the bank to deposit money and bring back an insurance policy. This kind of thing has happened to many people. This insurance was originally a wealth management product jointly launched by banks and insurance companies. Most of these products have the function of forced storage. Although of course they said that they can return this insurance at any time if they are not satisfied, to be honest ... you have been cheated again.
Specifically, you can return it, but the money will not be returned to you intact.
Because the shorter the premium payment time, the lower the cash value. For example, if you invest for a short period of time and want to return it, the premium will cost several thousand dollars, and only a few hundred dollars will be returned when you surrender.
If you want to know how to reduce the surrender loss, don't miss this article:
How to refund the "insurance surrender", how much can be refunded, and how to reduce the surrender loss? 》
Write it at the end
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