How to prevent buying insurance for your risk Insurance Tips

Category: Insurance tips Release Date: 2006-08-01

Insurance, we hear the term think of those shiny hair, suits and ties is filled with cruise of buddies, right! They are insurance agents, the average person would avoid this type of crowd and much of the reason is simple ---- too annoying, too frustrating!
Ewha cat had engaged in similar acts in the insurance company for three years, today we talk here and things that insurance and insurance companies.
I was my mother, "lie" to the insurance companies began to dry is also an agent was involved in bank insurance salesman has been done from the department manager. My performance Well, when the 29 branches across the country, I ranked first! I think I am qualified to talk about insurance and insurance for this topic. Also those who have not insured or preparations to bring some friends to buy insurance, skills, and prevent some of the agents to Kuangpian.

First, the types of insurance:
Divided into two types of insurance: property insurance, personal insurance, life insurance is divided into: life insurance, health insurance, accident insurance, hospitalization and medical insurance 2, the insurance features:
Fang disaster loss prevention, finance and investment, insurance, put the role of disaster loss prevention we should all be clear, but some insurance coverage is on the current investment instruments as a complement. Such as: dividends, insurance, investment linked insurance, universal life insurance, etc.
1, how to divide their dividend insurance dividends? Bonus is based on insurance company investment income in the year could be allocated more than 70% of surplus parts. If you invest 100 yuan, the insurance company's investment income of 3% if (current insurance company's investment rate of return that is 3 - 3.5% / year), then remove the company's operating expenses, your bonus is about 0.8% - 1% or so. Although insurance will certainly be an annual dividend dividend, but the income is not satisfactory.
2, investment linked insurance, universal life insurance: the insurance companies and is based on return on investment decision, but the difference is that with the dividend insurance, such insurance is not capped at the end of the next can not be maintained.
So why are not the interests of insurance investment is very high? This is a relationship between investment channels of insurance companies, insurance companies, investment channels are mainly present:
Banks large protocol deposits (30 million or more, the central bank provides an annual interest rate of not more than 3.6%)
Placing a market funds (the insurance funds can only be accounted for 8-15%)
Treasury bonds, corporate bonds, financial bonds, repurchase arbitrage, cash lending and so there is a State Department designated investment channels of investment. Insurance funds into the stock market is currently not directly. So, when there is an insurance agent or insurance agency, and you say that the annual dividend rate of dividend product of more than 3-4%, you must not believe it. Maybe they will come up with the previous year's rate of return and dividends rates Cho Chong-chu Park  flounder sea turtle wall so I do not advocate Hua dividends to buy insurance!

Third, insurance, cash value and surrender
1, term insurance products, payment and wholesale payment of two kinds, wholesale payment is a one-time payment
2, the cash value: the net premium is paid, that is, when you are dissatisfied with a view to surrender be able to obtain the actual figures.
According to 10000 example: If it is 20-year period, your cash value should be the first year of about 6,000 yuan, meaning that 30% of the salesman's commission, there's the end of the third year of operation and many other costs that you have pay at least 30000, if the cash surrender value is probably around 15000
According to 10000 For example, if you are a wholesale payment (one-time payment), then you have the cash value of the first year of about 9,000 in the third year is about 9800 Yuan.
Because the policy is the insurance contract, according to the contract but not yet surrender Are you sure to lose! ! !

Fourth, do not surrender, non-payment still without loss of the amount paid by way ----- You can not retire, to choose a method of reducing the amount paid, either no longer afford to make payments pressures could also circumvent the As the insurance to your risks.
For example: 10000 yuan (20 years) the insured amount of about 150 million,
20 * 10000 = 200,000

Note: Premium: is the premium you pay the insured amount: that is, the amount corresponding to your premiums, we can say is your worth. Such as the 700 yuan = 10,000 yuan insurance premium amount

Fourth, foreign insurance companies in China many people are waiting for the issue of foreign insurance companies to enter China, and that the foreign insurance companies may be better than the existing insurance companies or insurance rates cheap, in fact not the case because the
1 Insurance Law No. 3 states that: The protectionist policies in insurance companies
2 insurers to implement localized management, senior management of the foreigners, but the agent or domestic
I believe that increasing the quality of the agent (current high school education or the same agent can test the certificate), to reduce acts of misleading customers, the insurance regulatory body has to be greater supervision of insurance companies

5, the current issue of insurance companies and agents
1, the insurance company performance-Heroes, in the pressure and so rewarded as agents to mislead the people's behavior has become widespread. In recognition of an insurance company would be in open-end, when a department manager had the audacity to say: Honorable colleagues, the reason why we made such a brilliant performance was misleading and in the sitting Members may be separated from ,,,,,, is a joke, but in such a formal occasion such a joke, then the insurance company's misleading conduct can be seen. (This remark is the Shanghai branch of Xinhua Life Insurance, said Mr. Yan Guochao)
2, terms can not read, do not understand insurance terminology
3, movement too fast, is difficult to guarantee after-sales service
4, sensitive issues rather than build, hair: for example, exclusion of liability insurance policies are those items? What is a cash value? Period of not less than surrender to lose? What surrender period are eligible for full premium and many other issues
5, the insurance company managers for misleading conduct first-level agents
6, insurance companies, the interests of their clients investment behavior of non-compliance

6, if you buy insurance, what kind of insurance should be bought together? Br> not the best in the world of insurance, only the most suitable for your insurance products that you buy for what kind of insurance?
10 ---- 18 years of age: You can buy medical insurance accident and hospitalization, pension (but there is no domestic good pension insurance)
20 ---- 40 years old: Accident and hospital medical insurance, the other major diseases is necessary to buy insurance, pension
50 ---- 70 years old: Accident and dividends from the insurance as simple as that

7, looking for what kind of company insurance
1, find what kind of company is not important, I think the key is someone's rates also allow you to accept, for example: A company's dividend of 700 yuan was 10,000 yuan insurance coverage, and Company B 750 is a 10,000 yuan insured amount, You would choose that house (insurance liabilities are roughly the same)
2, in the insurance before the fifth point they asked for questions, so your risk is reduced.
Do keep in mind one thing, you can not simply believe everything they spend a good agent on your rice is good, everyone is not easy to make money not it?
The above is my experience that after the insurance company and hope you can help, if there are questions to Replies, I will do my best to answer.