I was surprised to get a call from Xiao Liu today. Xiao Liu's colleague Yang Yang was my first stranger. I just came to Guangzhou at that time and had no acquaintances. I have to talk to strangers about insurance in various ways. Yang Yang was a client I met when I first visited Tianhe City strangely. At that time, I didn't know how to develop new customers. Yang Yang didn't buy it anyway, so it's my pleasure to call her every day. Anyway, I study knowledge at the morning meeting every day and use it to talk to her. Tried various methods. Yang Yang made it clear to me from the beginning that I didn't buy insurance and didn't talk about insurance with me, but she especially liked to talk to me when she was free. But when I call, it is often Xiao Liu who answers the phone at first. At that time, Xiao Liu was less than eighteen. She is very shy. Later, she found a boyfriend. Later, she left the company and lost contact. Xiao Liu called me to buy insurance for my parents. Her parents are still in their hometown, and there is no other guarantee except cooperative medical care. Ask me what insurance is suitable for them? I told her that according to the regulations of the CIRC, it is not allowed to buy insurance in different places unless they are now settled in Guangzhou. Buying insurance is actually a service contract. An insurance policy is a kind of securities, just like a bank passbook, deposits and withdrawals must be signed by myself. If the insured and the insured live in other places for a long time, it is inconvenient to serve them when making claims or adjusting the policy contract, just like you have to run back to the city where you open an account to withdraw money every time. Of course, many companies will provide off-site services, but most of them are not perfect at present, because the first condition is that companies must have local branches to achieve off-site services. Some friends may ask, the flow of talents is quite fast now. I am working in Guangzhou this year. What should I do if my company sends me to Shanghai next year? Do you want to return the insurance policy? How much will I lose if I do this? Life insurance claims only once, and there is indeed a loss in surrender, so life insurance can choose not to surrender. In fact, in addition to life insurance, medical expenses, allowances and accident insurance are all consumer insurance, which means that it will not be used this year, and it will be invalid when it expires. It will only be renewed for one year next year, so there is actually no loss in surrendering. These three can choose to surrender, buy at that time, and do not surrender. When a claim occurs, contact the local customer service center or send the relevant documents back to the insured place for claim settlement. But no matter what the risk is, there is another risk that cannot be ignored. You can't buy insurance when your health is red. So don't surrender easily, even if you surrender, you should add new protection in time. Here we should focus on the underground insurance policy. According to the Insurance Law and Regulations on the Administration of Foreign-funded Insurance Companies, only foreign-funded insurance companies registered in China with the approval of the CIRC can sell insurance in the Mainland, such as Xincheng and Pacific Antai. Overseas insurance bought in the mainland, such as Hong Kong and Macao insurance policy, will affect the legal effect of the policy unless I go to the local (Hong Kong and Macao) to apply for insurance. At the beginning of 2002, a customer in Jinjiang, Fujian purchased a life insurance policy through the agent of a foreign insurance company in Hong Kong. In the second half of 2003, a customer had an insurance accident, and the family members filed a claim with the insurance company, but they could not submit the insured's passport. The insurance company refused to claim compensation because the insured provided false documents during the insurance process, which caused great dissatisfaction among customers. After learning about this, some mainland customers asked for surrender, which was rejected by the company. So, you should be careful.