Category: Insurance tips Release Date: 2006-08-01
Buying insurance there are some taboos, if not careful, it might be a rude awakening.
1, not to uncertainty about insurance companies:
Life insurance to provide decades of service. The strength of insurance companies, credit, terms, after-sales service is essential. Should be aware of before buying the company's basic information, such as economic in nature, registered capital, business development situation, claims circumstances. According to the insurance law, in addition to separation, to merge, are not allowed to dissolve.
Second, do not blindly buy:
Although the terms of the rate of each company are examined and approved through the People's Bank, but a comparison is indeed different. Such as those on life insurance premiums, and some three years, a collar, and some five years, a collar; some 10 kinds of anti-seven kinds of serious illness and some anti-; some protection to the 70-year-old, and some charge of their lives; others also due , and some are nothing rebate must be clear on reinsurance, should not have received the policy is unclear.
3, Do not just listen to presentations, without studying the provisions:
Before buying, maintenance must understand: You buy what kind of insurance? What is liability insurance? What is the responsibility except how Contributions? How do I benefit? Whether the special agreement ... ... to prevent the individual members of misleading marketing. It is not the root do not promise or interpretation has no legal effect.
Fourth, do not believe in a hasty, reckless Contributions:
Whether marketers to visit, or the streets of advice, you should first understand the true legal status. According to relevant regulations, the insurance marketers to certificates, you must first produce a print issued by the People's Bank "Insurance Agent Qualification Certificate" and the insurance company issued a work permit, otherwise no chance.
Buying insurance should also be self-protection. When necessary, may play an advisory call to the company. Do not hastily make payments, to avoid being cheated.
5, selection of insurance Do not spur of the moment:
Many types of life insurance, should choose their most needed. For example with the old-age insurance, some of them in Contributions to determine when to receive the age pension was determined either in the collar. Some are month to receive, and some years to receive, and some one-time collection, some are fixed to receive, and some increase the amount of receive. Same anti-critical-illness insurance, some of the observation period of 180 days, some for one year, some three years; if the insured on impulse alone is often not desirable.
6, do not they only cheaper, regardless of responsibility:
As the saying goes: "a penny a sub-goods", the insurance is also the case, can not only buy "a" how much insurance money, but to find out the "a" is the amount of insurance, how much coverage is necessary to full consideration of liability insurance.
7, do not take into account human, while the neglect of security:
Insurance is a special commodity. A piece of clothing or a set of furniture purchased, and if you can not wear do not like you can give as gifts; while insurance can not be transferred. Some people buy insurance, it is because marketers are acquaintances, relatives or friends, this does not want to buy, but for sensibilities, bite the bullet and bought; or do not look at the terms, light to listen to presentations, blind credulity, buy later found not to fit The result is reclaim hard for me to back the economic damage is also hard for me to out of danger even more miserable.
8, do not Seeing with one eye, there is no insight into:
Do not blindly buying insurance: Some people buy and I buy, will buy it I do not buy. Each person is different, the answer will naturally be different, which is normal.
