Category: Insurance tips Release Date: 2006-08-01
Life frequently hear the argument - the insured is deceived on the grounds that some people's personal experience: the insured before the insurance salesman was right in particular nicely; can be insured and could not see shadows, and out of trouble is not know who to turn lose! this situation a lot because they do not selected their own agent. Due to the limited objective conditions, the insured person and the insurance company generally can not directly get in touch, but mostly business representatives and agents, that is, signing, life insurance industry in particular.
People choose an insurance agent from time to time fall into the trap such errors: either like Zhao Shuren, friends do list, think these people are more reliable;, or to think twice before before the insured, the insured Shique too hasty, and some even know the person and wine on the table Signing. In fact, these acts have overlooked a key question: in the insurance, the acquaintance, friend, drinking buddy is really reliable? These people versed in insurance? Long-term insurance companies work? Able to provide lifelong insured services?
The difference between insurance agents are mainly embodied in the customer mix of insurance on the design. Strictly speaking, individual insurance is basically insurance companies launched similar, regardless of content or the price difference is not large. The insurance, as a commodity can not be right for everyone, but different people because of the choice of the insurance situation, the situation is different should be different, which means "What kind of insurance coverage" needs well-designed, different an insurance agent design capacity quite different.
This is like taking blocks of fabric to do clothes, it was only the amount of your height, waist circumference, a few scissors Shahi, and sent the morning of cloth, the afternoon will be able to take, the whole "family on" speed, low fees, but do so out of agricultural services such as work clothes, in addition to sub-large, medium and small a number things, not any of the features; while some others dressed people under the occupation, build, age, color, personality factors such as comprehensive design, to do so out of clothes to body and beautiful. The former is called "tailor", which was known as the "fashion designer."
A good insurance agent is like a good costume designer, is slightly different fashion designers to tailor bid was much higher, while the insurance salesman no matter how high professional level, should pay according to certain terms. Charging the same role, impact are different, we can say "good agents" guarantor of the service does not only mean "value for money" and also means "value for money."
Based on the above analysis, and then take into account the "agents in the marketing policy is for the insurance company before the service, after the signing of the policy is for the insured services" such "transposition" situation, the insured may, before the agent from the five aspects to inspect:
Expertise in a skilled insurance agent can be designed according to the specific circumstances of the insured the corresponding species, is by no means do alone, as long as the line. For example, the insured who is most in need of home insurance, and need to protect what is, how much to insure and so on, agents can be made per capita to design and to say why.
This is a character of insurance to provide protection, dedication and caring sectors, but because of rapid development, there also exist only to make money, with some articles that did not exist to deceive customers situation. As a policyholder is concerned, regardless of knowledge, experience, how rich is because隔行如隔�the understanding of insurance professionals in the office always better. Can be said that an insurance agent if you can not truthfully informed, very difficult to guarantee the interests of policyholders.
The attitude of some practitioners who engaged in the insurance agent's attitude a bit like Guoba Yin, finished alone after a few would leave the insurance companies. The list of such agents do tend to become an "orphan policies", while the insurance companies of "orphan policy" has specific management practices, but the general as the "targeted" practical, because a lot of life insurance is life insurance, once the sign a single, and the insurance company to engage in lifelong contact time to pay their own money and effort. Also, the signing of the effect, make withdrawals, the insured may only get about 30% of the original article.
In addition, some insurance agents for some of those greedy psychology, in order to return the condition that the commission pull policy, policyholders are often keen to try some of these "cheap." In fact, it is the purpose of insurance is to seek protection, insured, if there are problems, the agent should be responsible for all insured claims handling procedures, during which the insured do not have to pay all costs borne by the agent. If we focus on doing a single rebate on, things will become complicated.
Account of the relevant provisions of our country: the insurance agent must be a native of Beijing, particularly strict on this requirement. The reason is people from outside the insurance agency business of relatively high mobility, easy to leave, which insured more adverse.
Practitioners This is a very crucial time, but often overlooked issue. In general, practitioners a long time, it means that the possibility of the insurance companies stay here more than people who engaged a short time, expertise accordingly should be well versed in more comprehensive. In order to prevent easily bring the policy to a business is not hot, or the person responsible is not strong agent to the insured before the insurance company is best to consult an agent to find out the specific conditions of an insurance business, skilled and responsible agent people, from the insured's interests to design a line with the insured income, the wishes of the insurance program. Even if one day, the agent to leave the insurance company will send your policy to a very good sense of responsibility and business colleagues. We should know that insurance after the event of accident, if the insured himself might be to time-consuming, laborious, and helped deal with an agent, you can receive compensation in the shortest time.
While inspecting the five points above the same time, there is an issue of policy holders are also important. Some agents to pull policy, the insurance will put it perfect, as if nothing can be done and what can lose. A matter of fact. There is no such thing. Insurance companies in insurance design is very precise, what each insurance protection does not protect what is very clear. Some policyholders do not understand the situation, just listen to the introduction agent, you may go awry.
To avoid this situation, the insured can request an agent to make but some agents do not write articles that can be written in black and white security projects in the future event of a dispute, may request the insurance company paid accordingly. According to China's "Insurance Law" stipulates that "the fault of an agent from the insurance company is responsible for their agents." Of course, the prudent approach is to the insurance company to verify. Everything is as an agent said, the natural can be assured; if an agent deceived people, the insured may request the insurance company for settlement, in general, the end result would be beneficial to the insured, that insurance companies would likely make concessions.
