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Data:2009-12-12 2:34
In the insurance knowledge is not widespread, people often have such a misunderstanding: the belief that once bought a kind of insurance, it had everything worry-free. Little do they know there are many insurance segments: accident, health, medical, pension, life, finance loans, each species corresponds to a different accident situations.
The more developed countries, the insurance system, the more perfect, the number of per capita insurance more. In economic infrastructure development to a certain extent, the people's greatest need is safety and security. The function of insurance is to provide not only the protection of life, at different stages of life, risk requirements are different, the necessary insurance products are also different.
Insurance Focus: Policy and ages
With the increasing public awareness of insurance and financial awareness of pairs increased, many insurers to develop new products that combine the protection and investment functions. But in fact, one policy may not cover the more extensive the better, choose the insurance still have to come with age, stage.
May be affected by the premature investment philosophy, and many people when buying insurance, is also the same as with insider trading, there are copycat phenomenon, everyone not in the hands of the policy reflects the characteristics of age, but there is a strong local characteristics. Such as a factory workers are likely to have an agent in the same office to buy insurance, but also purchased the degree of product differentiation is not, the plain or old-age insurance dividend insurance; in Jinshan, Qingpu and other urban-rural, and even there a village of people to buy the same species, almost insured amount of insurance.
In addition to follow blindly, buying insurance is another major misunderstanding of the insurance function of abuse. Insurance magazine once exposed to such a case: a family with a monthly income of 4,000 yuan for the family, actually put more than 20,000 yuan a year to buy investment-linked insurance, resulting in cash-strapped families, they surrender a great loss. In any case, the most fundamental function of insurance is to protect, use it to do investment in it is not impossible, but it can not be overly dependent on this additional functionality. As the financial markets mature, product refinement, we can find a more professional than the dividend risk investment tools.
Everyone should find out the insurance primary and secondary functions, only when the heart has an "insurance through the" buying behavior in order to effectively improve our rational component.
Policy and the premium prices
The average life expectancy of our population than in 1990 when the 68.55-year-old than a lot of the original life table does not have the authority has been much-needed change, it is learned, the new life tables will be completed in 2006, re-established. , Raises the question is: With the average life expectancy increases, we have the premium prices is not it?
In fact, prolonged life may bring more than just old-age insurance price increases, and some insurance to protect the price category but should drop. And the premiums go up or down not only on our average life expectancy, but also by many other factors: such as the current level of interest rates, high interest rates insurance is relatively cheap, low interest rate corresponding increase in insurance prices. In addition, life insurance is also affected by the impact the company's own operating performance and so on.
In any case, the premiums go up or down have a more scientific basis for a number of reasons, and can take into account a fair, as well as the relevant supervisory bodies, actually does not need to bother the people concerned. Here we would like to stress the view that: choosing the right variety is more important than focusing on the price. The face of premium adjustments, you may hesitate whether or not to wait for the. The advantage of waiting for the future of insurance prices may be more expensive; the risk of waiting is that in the waiting period you can not be protected. The offer potential accident insurance as a protection, the price has always been difficult to measure.
In the specific choice of insurance, in addition to according to their ages and needs, but also pay attention the quality of services provided by insurance companies, insurance companies, in order to after-sales service is an important guarantee for the quality of the policy.
Insurance Case:
25 ~ 50 years of age: their roles in different policy
25-year-old undergraduate of employment is usually three years, the age of graduate studies, due to working hours is not long, and limited economic conditions, general insurance only consider myself a person to protect the value is relatively low. Taking into account young people often travel, making friends, we might buy some accident insurance; past few young people to buy health insurance small, but with the "Do not let the parents do nothing to support you," say the increasingly popular, many young people to buy health insurance increases.
After 30 years of age, health pay more attention to them, people who purchase health insurance increased significantly. In particular, married after the family and children more of the responsibility. Nowadays the marriage registries generally have insurance, introduction, new bar each beneficiary to write each other's name, can be considered kinds of love and responsibility for each other, insurance has become a kind of romantic expression.
After 35 years of age, with the maturity of the family, children grow up, the original insurance policy may not be able to meet the demand, and we must increase and expand. Particular, there is pressure to repay their loans to families in need to buy an insurance policy to protect the family wealth. At present, China is still a mandatory insurance mortgage insurance, but the attention to the primary loan-to-one sure to fill high-income couples in the party. If the main loan-to-person accidents, in terms of responsibilities within the insurance company for their repayment.
To the 40,50-year-old, old age is coming to light. Keep in mind that the more young and old-age insurance is to buy the more cost-effective. By this time, bought a house, the children are also big, the main task is to increase a pension for themselves. Over 50 people in foreign countries would consider the death of their children could bring high estate, they would choose to buy insurance, tax avoidance.
Insurance statement: policy is not the better Sumer (34 years old, insurance planners):
While we are discussing the subject is a human life to have a different security function of insurance, but I would like to remind everyone not to overkill, the policy is not the better.
This is so that the first reason is that a number of insurance claims can not be repeated. As the principle of compensation insurance, the insured can not be insurance profits. Take the medical expenses insurance, it is based on the actual occurrence of medical expenses, by virtue of the invoice to the insurance company claims. If the purchase of two medical expenses insurance, in accordance with insurance requirements, claims in an insurance company to obtain payment, the actual medical expenses have already been compensated, it can not then another insurance company, claims the.
The second reason is the insurance to buy more, the most direct consequence of the money left over for a flexible disposal has been reduced. And surrender to bear no small economic loss. Therefore, when the insured must give himself to leave more room for the full assessment of their insurance will pay, purchase must be cautious.
Clients an average of 2 ~ 3 Policy
Yang Liang (41 years old, Ping An insurance agent):
I have been in insurance sales Yuemo two years, as a result of diligence, but also have accumulated two to three hundred clients. In my clients, the per capita amount of the policy probably 2 ~ 3, from the insurance, a strong sense of Japan (5.4 per insurance policy) there is not a small gap. But I can already feel the people's ideas on this progress.
In general, I will introduce four for a customer insurance policy, they would more patiently, and then pick the best from their own. May be out of "bargain" mentality that few customers will Shuangqi accept all my insurance plan, may they feel that agents always have the purpose of profit bar. It seems I only design the next six policy to allow customers to choose from four, in order to give them a more comprehensive protection.
Missed a good number of insurance Haitao (36-year-old moderator): Also remember that 96 years, a middle-aged women in the unit sales of insurance Shetan cafeteria scene, when I was holding the mood to see, crowded, and do not buy insurance . I remember some of my colleagues back to inquire about finished also a huff saying: that an agent for me by 10 million in insurance plans, Could it be worth my only value of 10 million? !
Can be said that this time we are kicking the tires, insurance, most people still hold wait and see attitude, but some people still dare to "eat crabs," bought 78 copies of a sudden return of old-age pension-type insurance.
Over the past 10 years have passed, through the era of high interest rates we are currently money in the bank's interest better than nothing, we envy those unusual people who bought the insurance, feel that they really have investment vision. The high interest policy that era, once missed, and never come again.
Now think about it, our sense of insurance, or arrive too late, some five or six years before the high-security prices are also very cheap to buy the insurance no longer than the species. Perhaps the insurance as an integral part of financial instruments, can only be赶早不赶晚bar.
Insurance, participation in old age
India Susu (58-year-old retired teacher): We have experienced natural disasters, mountains countryside Chaduiluohu different era, though suffering from wind and frost, but they just do not have any pension plan. My son bought the insurance design or the way insurance agents do.
After retirement had nothing better, simply with the son of an insurance salesman came to talk to, did not expect some conversation with his inverted inspired me to plan their own old age ideas.
I am a retired math teacher, knows the truth add up. In fact, more than 1000 yuan a month pension after careful calculations, you can still flies leisurely and protective. I first of all for their own insurance added to the original critical-illness insurance, and then releasing some of their savings to buy money market funds, every day something new may be concerned about and feel themselves a lot younger.
