It can be seen from the news reports and message areas that many people buyInsuranceActually, it's not clearInsuranceThe true meaning and role of the . They may be out of personal affection or beenSalesmanMisleading, just hearing that you can get it back after paying the premium for several years. This kind of low-quality policy actually has little effect on protection, like the mother-in-law in one example, who bought a premium of more than 100,000 yuanInsuranceBut after she was diagnosed with breast cancer, the policy did not pay any benefits. Fortunately, the son-in-law had earlier arranged and purchased multiple copiesInsurance, including Huimin Insurance, cancer prevention medical careInsuranceetc., theseInsuranceThe mother-in-law is provided with comprehensive protection and free medical expenses. Therefore, for such low-quality policies, surrendering is actually the best option to avoid wasting money and time.
In addition to the lack of coverage, low-quality policies have more serious problems, namely:InsuranceSales misleading exaggerated deceptive behavior, this behavior not only ruinedInsuranceThe social image of practitioners also allows more people to be interested in the wholeInsuranceThe industry has created a negative impression. Many people don't think that the shameless ** is their own relative, they just thinkInsuranceis the most trickyInsuranceIt's a lie. Therefore,InsuranceThe industry needs to strengthen supervision and crack downInsuranceMisconduct in sales to restore public interestInsurancetrust.
PurchaseInsuranceAn important principle is sustainability. If the premium of the policy is a burden on the personal economy, then this policy is pretty much for youWaste paper。In addition, purchaseInsuranceneeds to be consideredInsuranceWhether the basic guarantee liability is coveredLife insurance, critical illness, accidents, and medical expenses. If purchasedInsurancewith a definiteLeveragerole, and can afford to pay premiums, then you can consider buying this type of classInsurance。For those who have only purchased for a year or twoInsuranceYou need to carefully consider whether to surrender the policy, because if you continue to pay the premium, you will be in a dilemma.
AgainstPeace and blessingsInsurance, which can be adjusted by unbundling and reducing the insurance. For offline traditionsInsuranceThe company's insurance policy can adapt to its actual situation by reducing the sum insured or untying the long-term accident insurance. However, the online policy may not support the operation of reducing the sum insured, so you can only choose to surrender the policy. Another retention strategy is to reduce the sum insured, which means that you choose to reduce the sum insured and only pay the lower premium. The specific operation process needs to be differentInsuranceThe company's regulations are carried out.
In short, for those who have been handed over for many yearsInsuranceSurrendering the policy is not the best option. If you want to save money because of a decrease in income, you can consider reducing the sum insured or skipping the premium to keep some of your coverage. However, it is important to emphasize that differentInsuranceThere may be certain differences between the company's operations on unbinding and reducing insurance, and it is best to communicate with them before specific operationsInsuranceThe company confirms. The ultimate goal is to ensure that you are clear about the content and function of the policy, and make the right decisions according to your financial ability and needs. InsuranceThe industry also needs to strengthen self-discipline and supervision to improveInsuranceProfessional quality of employees to protect the rights and interests of consumers.