1, insurance is the business of the rich, and I have no money to take care of it. In fact, cash flow is tight, and families with heavier mortgages need to pass on risks and plan their children's education funds in advance, because families have low ability to resist risks.
My family's insurance is enough. In fact, the planning of family insurance is related to the family's economic situation. If the family's economic situation changes, it is necessary to readjust the policy.
3. It is enough to buy for children. In fact, buying insurance for yourself truly represents the love for children. Think about it and you will understand the truth.
4. Worried about the bankruptcy of the insurance company. In fact, the risks of insurance companies in China are borne by the state, and the operation of insurance companies is supervised by the state. If the insurance company is not well managed, the state will take over the policy arrangement.
If you are healthy, you won't get sick. If you buy insurance, you lose money. Young people do not need insurance. In fact, no one can control the risks of health and accidents, and they can only be passed on. Paying a certain cost to pass on risks is actually a means of risk management. If you don't get sick, you are actually very safe and earn a lot. And not getting sick now doesn't mean that people in their sixties and seventies won't get sick, but they can't buy it if they want to.
6. I was fooled by an unprofessional agent. In fact, with the development of the insurance industry, unprofessional agents will eventually be eliminated, and professional agents can survive for a long time.
7, entangled in the product, I hope I can understand the product. In fact, insurance is to solve family risks and problems. First, it is clear that the demand is for the product.
8. When the agent sells products, he vacillates. It is recommended to know as soon as possible and choose to buy. If not, change agents decisively.
9. Stock trading does not require insurance investment. There is no conflict between stock trading and insurance, both of which are financial management methods, and insurance is irreplaceable.
10, I don't know the difference between insurance and other wealth management products. It is recommended to ask a professional agent.
1 1, compare which product is cost-effective. The premium of guaranteed insurance is calculated according to the life table stipulated by the CIRC, and price competition is not allowed; Dividend-sharing products need to examine the company's investment advantages.
12, I don't know the functional meaning after buying it. Most of them are personal forms. Ask a professional agent to help sort out the insurance policy.
13, insurance claims are difficult. In fact, claim settlement is the most important function of insurance. Only by doing this well can the insurance industry develop better. Large insurance companies are committed to improving the quality of claims service.
14, long payment time and poor liquidity. Insurance itself is compulsory savings. If the accumulated cash value is sufficient, you can make up the working capital through policy loans. It is very popular and convenient to make policy loans through ATM in Taiwan Province Province.
15, it is better to put money in the bank than in the insurance company. It is recommended to know about the investment methods of insurance companies.
Insurance is useless. No one wants insurance to come in handy, and they are not happy when it comes in handy, but when insurance is really needed, it is the most regrettable not to buy insurance.
17, afraid to tell the agent if I want to buy insurance, for fear of being harassed every day. The agent who harasses every day must be unprofessional because he is too free. A truly professional agent will spend a lot of time studying and have a large number of clients, so he has no time and energy to harass someone.
18, self-investment is more profitable than insurance company investment. It is suggested to know about the investment channels of insurance companies, and then ask about the income of their historical investments.
19, the group insurance of the company is enough. I suggest asking myself, can the company's group insurance guarantee retirement? Will the company arrange for old-age care?
20. Being an insurance friend will make friends. No explanation, insurance is helping people.
If you have any other insurance questions, please come: protect more fish and talk about insurance.