The order is reversed, and it is bought for those who need insurance most. In case something goes wrong, it will not help the family.
Help may also become a financial burden, because the obligation to pay premiums is not fulfilled, and the result is that the policy is lost.
Effective.
2. The essence of insurance is protection, and buying insurance means buying protection. Do the security first and then consider it.
This is ...
Insurance is to pay the premium, not to save money. If an agent tells you that the premium is paid to save money, please.
You stay away from him. The money withdrawn after paying the premium is not your money, but the cash value or account value.
In other words, there is a cost to buying insurance.
After buying insurance, not everything happens and the insurance company will pay for it. The aspects of not paying are clearly listed.
Please pay attention to the exclusions and unspecified exclusions in the contract terms.
Different insurance companies have different exclusions, except that the product life insurance of the same company is a serious illness.
It's just that insurance and accident insurance are different.
5. The operation of insurance companies is a commercial activity, and it is necessary to make money. So I will give you as much as you want,
I won't give you another penny.
6. Insurance companies can't fail, which means life insurance companies, not property insurance companies.
7. Accident insurance and accident medical insurance are different. Accidental injuries include death and disability,
Disability also depends on the level of compensation. Accidental injury medical treatment is used to reimburse accidental injuries.
Medical expenses. So if you don't have medical insurance for accidental injury, it is caused by accidental injury.
Medical expenses are not reimbursed.
There are two kinds of hospitalization expenses, one is those with social security, and the other is those without social security.
If the insured person is insured, the amount of reimbursement will be small or the premium will be more. No matter how many times you are hospitalized.
Cost insurance, whether you bought it in several insurance companies or not, can cover the most things that happen.
Medical expenses. This is the so-called loss compensation principle.
One-year insurance is generally an insurance that does not guarantee renewal. Once out of danger, the next year is possible.
Refusing insurance or excluding or increasing expenses, respectively: hospitalization, accident insurance or accident.
Medical care, and there is a maximum renewal age limit.
9. When taking out insurance, you should consider your own economic strength, and don't let insurance become your own living burden.
10: The interest rate of dividend insurance is uncertain, and the data in the insurance plan are for reference. Honglilai
From spreads, dead spreads, fees, etc. The spread refers to the difference between the actual rate of return on investment and the assessed interest rate.
Refers to the difference between actual mortality and estimated mortality, and cost difference refers to the difference between actual cost and estimated cost.
It's different.
1 1: The guaranteed amount, return or payment or survival guarantee agreed in the contract are guaranteed and must be paid on time.
Yes, even if the insurance company loses money.
12: Early payment insurance for additional major diseases is different from critical illness insurance. Additional major diseases are given in advance.
Insurance compensation is paid from the amount of your life insurance. What you buy is a reminder when you are seriously ill.
The right to pay you life insurance money in advance. Critical illness insurance is a separate policy for major diseases. two
The price of each kind of insurance is different.
13: The condition of paying in advance for major diseases is not what most people say.
However, he suffers from the diseases agreed in the contract and reaches the severity of serious illness agreed in the contract or the adoption contract.
With the agreed treatment, but also relax the conditions of claims.
14: It takes time for insurance to appreciate. If you don't plan to hold it for a long time, you might as well not buy it at all. Need money
At this time, you can take out policy loans, but it is not enough to take out bonuses and accumulated survival funds. Dividends and cumulative survival
Gold is also calculated with interest. If you take it out hastily, you can't save it any more, and you will lose a lot of interest. Not to mention light.
Easy to choose to surrender. The loss is too great.
15: Don't let the agent refund your commission. The result of counter-commission is actually your loss, but the agent doesn't.
You can't live on commission. The result of quitting your job is that your policy becomes an orphan policy, and no one will work for it anymore.
You do after-sales service. Once out of danger, it will be very troublesome. Even if he didn't resign, once he was stabbed out, this
Bad agents will be fired, and the consequences will be the same for you.
16: Not everyone can buy insurance. If you are too old or have congenital or acquired diseases, insurance is public.
The company can refuse insurance, or limited insurance. There is an upper limit on the amount of death insurance for minors.
As long as he buys all the insurance, the part that exceeds the upper limit is invalid. Have a medical history or exceed exemption insurance.
The amount is subject to medical examination. If the body can't pass the customs, it is possible to refuse insurance, unless the cost is increased.
17: Except for one-year accident insurance, you can unconditionally surrender your insurance within ten days from the date you sign the policy.
You can't surrender.
18: Health notification and occupation must be truthfully filled in, otherwise once found out, it will probably put you out of danger.
The law is paid, even deducting the insurance premium paid.
19: General medical reimbursement insurance does not provide self-funded drug reimbursement. Reimbursement regulations are the same as social security, but there are
Some companies can reimburse their medical expenses and outpatient expenses before and after hospitalization.
20. Medical insurance of some insurance companies and accidental medical insurance caused by disc herniation, bulging and prolapse.
Hospital, general hospitalization is not paid, please pay attention to the special terms.
2 1: Even the best commercial insurance can't replace social security. Social security is the most basic guarantee, and they are different in nature.
Yes, there is no comparability.
Please inform your agent in case of danger, and he will report the case and go through the formalities for you. Self-reported
Sometimes the case can't be paid because of the wrong expression.
Please note that many types of insurance have a waiting period, during which something happens. Although there is insurance, you can't get compensation.
Yes, some companies will cancel the contract.
24: Please be sure to specify the beneficiary when you insure. If it is legally possible, the insurance money will pay off the debt, and then it will be inherited.
It runs in the family.
Unless you are a minor, please sign your name, otherwise the contract will be invalid and something will happen.
Can be compensated.
Insurable interest is required to insure others, otherwise the contract is invalid. The designated beneficiary should also be legal,
Otherwise, the designated beneficiary cannot apply for insurance money after the person leaves.
27: If there is any dispute with the insurance company, please keep the evidence and apply for insurance locally.
Complaints from industry associations or insurance regulatory bureaus may also be brought to a people's court with jurisdiction.
In addition, there are insurance companies that can handle it for you, but you need to pay for it yourself.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.