2005 How to buy insurance Insurance Tips

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

2004 is very common, as the same as in previous years have taken place in many shocking and unforgettable events. But for some families is indeed bitterly painful, and even now can not recover from the wounds inflicted calm, a sudden blow to the family fragmented, debt, financial trouble. More and more facts to educate and remind people to strive for family economic income, but also to proper risk prevention awareness. Insurance is to solve the cash flow of financial instruments, cash flow is the normal operating businesses and families to the blood. Use insurance to provide protection for the domestic economy has been generally accepted by the general public.

At the same time, in 2004 the people who want to deposit insurance, is also a very confusing year, a joint venture insurance companies have been established, individual insurance companies, advertising is almost filled the eye. An insurance agent, like water, like contact with us. Postal services, banks, securities companies, airports, agents are getting more and more places you can buy the insurance. The main body of the insurance market in 2005 will be more, competition will be more intense. Gosh, how do we as a people the right to choose? Choice of what kind of company? What kind of products? What kind of agent? Choose where to buy insurance? Invisible among the people buying insurance has become not only concerned about the troublesome thing.

Today, you can occupy a period of about 5 minutes, let's talk about the process of buying insurance, some common sense, to help you find a suitable protection scheme.

First, comparing the terms of his collection to find a competent agent?

Insurance is a professional? This problem, you thought about? The insurance provisions are legal provisions, at home and abroad without exception, even popular articles only done at the call of "you and me," change, involving the insurance terms and conditions, settlement of claims of medical terminology in any case will not change. The ordinary people want to discuss the terms of the way through their own product is not a wise choice. Modern people should learn to use other people's time and wisdom for their own work, like a lawsuit a lawyer to do the audit to find an accountant, doctor doctor, like fill a prescription, buy insurance, there must be like that, like other professionals, insurance agents licensed and fully trust, because they are professionals. Vision, if we are sick and go to the hospital the doctor said: "Put your pharmacy open all drugs instructions to me, I choose my own medicine." How ridiculous to do that! It is said that insurance agents do not I understand. Incompetent insurance agent can not be the evidence of the insurance is not a profession, can only show that you are experiencing an agent incompetent. For the incompetent doctors or hospitals, we are sensible is another for-one pairs do? Try to find a suitable professional insurance agent advice is the correct approach. Of course, they have to grasp some of the principles on the one hand can serve as a validation agent is a professional conditions, it can also checks for their own security programs.

Second, the insurance is really a lie do?

There are still many people, said: "Insurance is a lie to buy time to put it quietly, until the claims of an accident can be difficult, the insurance company can not lose can not lose." Many people used this as an excuse for insurance. Insurance is really a lie do? In fact, carefully think about it, insurance is a contract, is the law. The contract will not lie, the fault of the parties entering into a contract for the understanding of whether a contract agreement. For the people who must buy insurance to an agent that aims to health security? Reimbursement of medical expenses? Or a pension plan, so that an agent to help you achieve your goals. At the same time, we must truthfully inform the health status and financial position. In particular, health status, if it hidden, when you really can not get Chuxian claims there is no remedy, do not Huaizhe luck psychology. On the other hand, required the agent to explain the details of the terms you hear, know what to lose what can not lose, to determine whether the requirements in line with their own, in particular, the amount of investment for the exemption clause, and can even be fully understood. To ensure that insurance plan can solve your problems.

Third, there is the order of insurance do?

In the case of a limited budget funds, insurance policies must pay attention to the sequence: first to meet the immediate security needs and then consider future investment needs. Accident insurance, medical insurance, health insurance, life-long life insurance, pension insurance, investment insurance, in that order can not be disrupted. Security is first, with the protection of the foundation, only to make money space. Many people say that insurance is a lie The reason is that the purchase of the pension investment insurance, accidental death or hospitalization in case of illness who wishes to get paid high. It is impossible, not insurance fraud, but you buy insurance already do not provide such protection functions. Investment in old age pension insurance is to protect life, rather than the actual risk. In addition, the scientific order of the insured members of the family is also reflected in the order of precedence, we must first give the economic pillars of the home to provide protection, with the goose that lays the golden eggs, are not afraid there is no golden eggs. Then to consider the other's security, then to consider the child's protection. Of course, from the family economic security considerations, the best to all those who purchase protection, because no one had shown dangerous situation, an economic blow on the family.

Fourth, how much insurance to buy more appropriate?

Insurance is a family financial management one of the tools. The role of insurance is to provide family economic security and stability and lasting protection. The total amount of insurance should be a degree of total household income of 5 to 10 times. To ensure that the event of unfortunate families can maintain at least 5 to 10 years remain unchanged. Amounts of money spent in order to not affect the quality of life as the standard, which can be 10% of total household income -20%. Be pointed out that: old-age pension savings and insurance, their children's education gold deposit insurance, investment-linked insurance should not be taken into account, since these support functions are not strong, if not to invest in insurance companies have in the bank as the funds for the purpose can not be easily use, therefore, should not purchase insurance products, the share occupied by the calculation.

5, where insurance is more suitable me?

In 2005, we are faced with the insurance sales channels will become more abundant, there is typically an agent, bank counters, post offices, telephone direct marketing, online shopping and so on. What's the difference does this in several ways? In fact, the more the channel is essentially just two categories: There are agents and not an agent. For complex security products such as: health, accident, medical care, life insurance, we recommend looking for an agent to buy a product to the complex needs of a very professional show that other channels can not be short-term to reach professional level. Another reason is that the event took place Chuxian claims, the agent will help you handle all the procedures, worry and effort and no additional costs. Moreover, there are many agents of the daily fine of activities to inform and product information delivery, there's much more an agent on personal networks, which may be more important than money! For the purchase of savings-type insurance, insurance agents themselves and do not care about the service is just pick up the money due, but also himself when Chuxian willing to bear all of the formalities, if so, you can choose to buy in the non-agent channels!

6, foreign-funded insurance and national insurance which one better?

Now a lot of insurance companies, foreign investment, joint ventures, national insurance companies Which one better? In fact, had not reached a conclusion. According to their own situation and to purchase insurance protection to limit choices.

All insurance companies must be strictly in accordance with the provisions of Insurance Act, the establishment of open and operating. At present, all the prices of insurance products are subject to strict monitoring of the CIRC. The increasingly fierce competition, so companies are Bipin service. Therefore, there is no price and service on the significant difference!

The company's strength is based on the company's registered capital is limited, and in understanding the insurance company, you can not be measured by the size of the parent company financial position of insurance companies, the company is an independent legal person, the parent company and there is no joint and several liability. Therefore, the insurance company's own financial situation is we look at an insurance company financial strength standards.

However, foreign-funded insurance and joint-venture insurance, current market share of small service network throughout China, very few, on the one hand because of the exploratory nature of foreign investment, on the other barriers to widespread expansion of the scale! Compared to the national insurance industry, the future uncertainty. Therefore, it is recommended people: If you feel that foreign investment is good, short-term products can be considered, but for two or three decades of investment in a few decades later return products is the best choice for the national insurance companies. Insurance buying is peace of mind, uncertainty should not preclude! In addition, if your ultimate goal of life is now not yet been determined, and future work may leave the city now, it is best to choose a future life of the city is expected to also have branches insurers.

7, the global settlement of claims, and immigration policy feasible?

With the entry of foreign and joint venture insurance companies, many companies both in the promotion of "global settlement of claims" and "immigration policy" as a selling point for this population. Really be able to present the case? Chuxian in a foreign country really be able to do in the local procedures for handling claims? Emigration in the future, our policies also matter sorted out I "migration" abroad?

This is a serious misleading! To do this promotion companies and agents to the industry, for themselves, the customer is irresponsible. The fact is that there is simply not possible. The best authentication method is to call the company's customer service where the telephone counseling will be able to discover the reason behind! Knowledge of consumers richer, stronger sense of self-protection, the better the soil to eliminate this misguided and deluded! We want real, objective, neutral data and facts!

8, if you select a different contributory period?

Different insurance products have different contributory period for customers to choose, and some as many as 10 in several, mainly divided into wholesale delivery (one to pay two kinds of sexual intercourse and staging phases, there is pay on delivery, seasonal pay, annual pay, There are 5 years to pay years to pay 10 years to pay and so on. but usually we have to accept proposals agent to see are for 20 years to pay. then the Contributions of different ways for people who have any relationship? in the end how way of contributions to a better arrangement?

Choose long contributory period according to their own circumstances and choice of products to be.

If, their income is unstable and fluctuated erratically, the best choice for first intercourse Qing;

If you are buying a life insurance payment will only death and serious illness insurance best choice for the longest period of Contributions, such as the age of 60 years, or life handed Contributions. Contributions period because of the longer bear the burden of each of the more light, the risk of death and serious illness is difficult to determine time and place, perhaps 5 or 10 years, maybe 50 years. However, the risk of at least the input when we least! In addition, the long-contributory period can be shortened, but the short-contributory period can not be elongated, it is like home loans, like personal bias which may not have to wait 20 years before the expiry of 30 years to pay off. But still will choose 20-year repayment period of 30 years, why not choose the expected repayment period? Left to our own room to maneuver, and space is our right! Insurance as well.

If you do have the money nowhere to endure, it's best not to first intercourse, because the financial era, a variety of financial instruments making their debut, at any time more profitable products to choose from, therefore, it is recommended diversification.

Well, today we use a little time to learn about the purchase of insurance some of the basic principles and concepts, aims to help dear readers found desirable in 2005, the protection scheme for their own family life to add more harmonious and peace! Let us work together Qi Fu: the world I peace!