The first point of buying a safe insurance is that you have to choose an insurance company that is trustworthy.
The second point of buying a safe insurance is that you have to choose an excellent agent.
How about choosing a good insurance agent? You can try to inspect them from the following points:
1. Check whether they hold the "Insurance Agent Qualification Certificate". According to the relevant regulations of the China Insurance Regulatory Commission, insurance salespeople engaged in insurance agency work must obtain corresponding qualifications before they can sign contracts with insurance companies for agency activities. If you have any doubts about the certificate it holds, you can call the relevant phone number of the insurance company to inquire and verify, or even conduct further verification through the local insurance regulatory department.
2. Check the agency permissions for its work. In order to standardize the agency authority of agents, the China Insurance Regulatory Commission also stipulates the corresponding assessment and regulations for each insurance company on the agency authority of different insurance types. For example, there are certain requirements for the sales authority of agents for universal insurance and investment-linked insurance. When selling such insurance, policyholders may require agents to produce relevant certificates to confirm their effective agency behavior.
3. Examine the mastery of professional knowledge. An excellent insurance agent should have professional business knowledge. Based on the differences in everyone's insurance concepts, the differences in understanding of insurance will also be reflected in the differences in insurance needs. At this time, you need a professional who is good at insurance to truly stand from your perspective and design an insurance portfolio plan that meets your needs based on your financial ability, family situation, occupational characteristics and other information. Your interests can be fully and fully protected. You need to see whether his explanation is suspected of exaggerating the facts, and whether he can explain the relevant insurance clauses that are too professional in an easy-to-understand and appropriate manner. You can also call the insurance company to verify the plan and other information left by him to see if there are any discrepancies.
4. Examine whether it is objective and truthful when introducing insurance types. An excellent insurance agent can not only comprehensively introduce the scope of liability in the insurance clauses and the related benefits of the insurance, but more importantly, he can also clearly introduce the scope of non-coverage in the clauses. At the same time, objective explanations must be given to some uncertain matters, such as whether the policy holder meets the insurance conditions, the future investment income of the insurance company, etc. To avoid misunderstandings or even misleading insurance purchases.
5. Examine their moral character in dealing with others. As the saying goes, "Every profession is like a mountain." No matter what position you hold or how knowledgeable you are, generally speaking, your in-depth understanding of insurance cannot be higher than that of a professional insurance agent. Insurance agents are the bridge between customers and insurance companies. The mastery of relevant real information about customers and the implementation of various service concepts of insurance companies are all achieved through insurance agents. An honest and responsible agent can not only design an insurance plan that best meets the needs of the customer before the sale, but also provide more beneficial information and different security services to the customer during the long after-sales service. To effectively safeguard the insurance interests of customers. And all of this can only be accomplished by agents with good conduct, honesty, and perseverance in their professionalism.
Because most of the personal insurance currently launched by various insurance companies are very practical whole-life insurance. Relatively speaking, the premiums paid by policyholders when purchasing this type of insurance are also relatively high. Therefore, if you want to buy a satisfactory insurance, choosing an excellent life insurance agent is an important step that cannot be ignored. Many people spend a long time thinking about and researching the product before buying insurance. I have been trying to wait until I fully understand it before purchasing insurance. However, when I decided to purchase it, due to various reasons, some of which were even extremely minor reasons, I easily handed over my insurance to an unfamiliar or responsible person. If a weak agent handles the matter, your life insurance rights and interests will not be effectively protected.
This is not to say that choosing insurance products is not important, but that policyholders must be clear about the logical relationship between choosing products and choosing agents? Just imagine, for an agent who relies on him for a living, his understanding of the value of insurance, as well as his grasp of the functions, pros and cons of different types of insurance, can be lower than that of an agent who is "catch-up" on insurance knowledge. Where are the pilgrims? After all, products are objects that originate from, depend on, and ultimately serve people. Talent is the subject and soul that determines the value of this commodity.
Insurance is a long-term plan for a person and a family. In order to buy an insurance that truly reassures you, it is necessary for you to do some research and selection of insurance companies and insurance agents when applying for insurance. Understand the basic insurance application process of the insurance company in advance. At the same time, you can also make full use of the insurance company's website and related consultation and investment hotlines to verify the various insurance rights and interests you need. Treat your signature on every document carefully. After getting the insurance contract, carefully verify whether your relevant rights and interests in the insurance contract match what the agent recommends. Clearly understand and abide by the various obligations and responsibilities that you should perform as an insurance policy holder. You can also ask your friends who have bought insurance to recommend agents they trust to contact you. If you have time, you can also visit the agent in person to see the working environment and the awards he has received in his past work. You can even ask to meet with their supervisor to have further communication about insurance.
Gain understanding of the agent through a variety of ways and means, and proactively maintain a long-term and good interactive relationship with the agent. Treat agents with a minimum of respect. Because in a society governed by the rule of law, when facing a legal professional actor, when he comes to us with good intentions and has never caused any damage to our material and spiritual lives, giving them the respect they deserve is actually us. A manifestation of self-respect. Everyone knows that respect is always reciprocal. This is also the minimum cultivation and moral integrity that a wise modern person possesses.
If you can understand the agent better and misunderstand less, the agent will surely reciprocate the favor. From a professional perspective, he can put himself in your shoes and design an insurance plan suitable for you. You provide a long-term after-sales service. In this way, taking the above factors into consideration, you should be able to buy a safe insurance policy.