Let me introduce myself first: I am Chu Zheng, a Minya insurance broker, and a father of two children. He lives in Jiaozuo, Henan Province and works in Zhengzhou.
I am not very sociable, and in the two years since I came to Minya, I have not asked any of my relatives or friends to take the initiative to negotiate insurance. In this area, it is an innate bluntness.
I get clients by writing articles and answering questions online. Most of my clients think I'm pretty down-to-earth and professional.
Every day I wake up at 6:20 to take care of the children, and until 10:30 at night, it is my working time, except for the time I give to my family, I almost only do insurance-related things.
We hope that through continuous learning and growth, we will continue to export insurance-related knowledge and information. Bring you objective facts, understand the real insurance, help you configure the protection suitable for your family, and use the tool of insurance to solve practical problems.
I believe in long-termism, and at the same time, I insist on providing value to others for a long time, and at the same time, I gradually become a better version of myself.
First, it is recommended that you have a certain understanding of insurance before purchasing.
Second, my usage methods and steps.
The earliest insurance I bought myself was an accident insurance policy, and that was when I first started working.
Because I studied ** and knew a little about insurance, I was worried that if I had an accident, I would leave some money for my parents.
Later, when I had a family, I bought critical illness insurance, small medical insurance for myself, critical illness insurance for my wife, million medical care, medical insurance, accident insurance, and universal insurance for my children.
It wasn't until I came to Minya that I learned that there were term life insurance, increased life insurance, and various medical insurance ...... after a few months of studyThe type of insurance that should be configured is not matched.
There is a big difference in the critical illness insurance of each company, the products of well-known companies are not excellent, and the critical illness insurance I configured for my home is a low-end product, but it is a high-end level.
The proportion of each type of insurance is not appropriate, or even the wrong type of insurance is chosen.
Looking back, I didn't know too much when I bought insurance, I knew the insurance ** person of a well-known company, and felt that the products of the insurance company should not be much different, and because it was a very famous company, I was more trusting, and there was a feeling of bullying customers.
In short, I was in a state where I didn't know what I didn't know, but I was actually self-righteous.
For example, just like when I renovate a new house to buy electrical appliances, I only know that there are TVs, refrigerators, and air conditioners, and I only know that there are Skyworth, Konka, and Haier, so how can I purchase them?
How can ordinary people only know such a little, this should be the person who lives in the mountains, right?
Actually, this is how I knew about insurance before, so I stepped on the pit.
Therefore, it is recommended that you have a certain understanding of insurance and don't be too troublesome.
【1.Demand analysis and combing].
First of all, I will briefly communicate with you about the types and functions of insurance, and calculate the type of protection and risk coverage required according to your family structure, financial ability, health status, and personal preferences.
Many customers start with "help me recommend some good products", and the mood can be understood, but I don't know what to recommend.
It's as if a doctor doesn't dare to prescribe medicine without asking about the condition. Even if you go to a restaurant, the boss has to ask if you are eating noodles, pancakes or dumplings.
Of course, if you've done enough homework or have a clear intention, we can simplify this step.
I need to know a little bit about you and your family:
1.Family member information.
2.Past coverage.
3.Household expenses and liabilities.
4.Family medical history, hospitalization, abnormal physical examination, etc.
5.What to worry about, what you want to solve.
6.Preferences and requirements for insurance brands.
If we are in Zhengzhou or Jiaozuo, we can have an interview, and other cities can be **, Tencent Meeting or WeChat group, etc.
Depending on your knowledge of insurance and your personal circumstances, the time is about 30 minutes 15 hours.
It's a bit difficult to reveal some personal and family information to strangers. But for such a special commodity as insurance, it is necessary.
This will be more direct, simple, and efficient to communicate. It will also help me to make a more reasonable and effective protection plan for your family.
【2.Select the product and make the plan].
Through communication, we understand your family's risk gap and protection goals, and I can go back and pick out the products and make a plan for your family.
If there is nothing special, the plan can be prepared within 3 days, during which time you may be asked for details that you have not yet learned.
After that, we need to make an appointment to discuss the plan and make adjustments if necessary. What needs to be done is for you to be clear, clear and unquestionable.
【3.Policy Signing and Entrustment Service Agreement].
If you still approve of me and the plan I've made for you, then we can sign a contract.
Generally, we will send a link to apply for insurance, and we will assist you throughout the process. In addition to the normal services of the insurance company, I also enjoy the services of Minya Insurance Brokers (the top three in China), as well as my exclusive services. Minya and I are third parties who stand on your side.
【4.My Exclusive Follow-up Service].
Policy labeling and interpretation
As soon as you get the policy (electronic or paper), according to your wishes, I will take time to read the policy with you and interpret the terms for you.
If there is a paper policy, it will be marked and explained for you.
In order for you to be clear and unambiguous.
Make a family benefit list
I will sort out the coverage that your family has and mail it to you along with the policy.
You don't need to look through the insurance policy to see at a glance the protection of your family.
Insurance consultation and annual policy review
Regardless of whether there is a charge for insurance consultation in the future, free consultation services are provided for old customers and relatives and friends introduced by old customers.
Every year before the policy anniversary, I will review your family structure, financial ability, health status, personal preferences, and if there are any changes, we can make timely changes, adjustments, additions or deletions to the coverage.
Renewal reminder to pay the fee
Most customers put the insurance in the cabinet after buying it, and then forget about it after a year or two, including the time to pay the fee. I will remind you about a month before the payment until I receive a confirmed response from you.
Assist with claims
Buying insurance is a peace of mind, and no one will want to use it. But in case you use it, you just need to remember one thing:Contact me as soon as possible.
This is important because there are a few things to be aware of when making a claim. I will do my best, plus Minya, for your best interests.
This is a friend of mine who I have helped with, including medical reimbursement and critical illness insurance claims, where the critical illness insurance lasted 9 months, from the denial of the claim to the final full accommodation.
That's basically how I use it.
Hope it will be of value to you.
I'm the first recruit, the father of two babies.
There is an innate dullness to the world and human feelings.
I wish I was a dear daddy in the hearts of two babies.
I am a Minya insurance broker, located in Zhengzhou, facing the whole country.
I hope I'm a professional veteran that my friends can trust. ️
If you have any insurance needs or questions, please feel free to consult us**.