Generally speaking, smaller insurance companies will have fewer outlets, usually only in provincial capitals or second-tier cities. Small cities have only one service department at most, unlike large companies that have business outlets in various cities. The direct result is less service. If the customer needs to claim or change information, it may need to be done by mail or express delivery.
Small-scale companies, to put it bluntly, are not well-known and well-known, so few people are willing to join the job when recruiting, and they can only rely on brokerage companies to improve their business commissions to use insurance brokers to promote insurance products.
Some people think that the size and reliability of insurance companies are not necessarily related. Insurance purchase terms, as long as they meet the terms, you can claim. In fact, this is not necessarily the case. Small companies are actually more inclined to pass the buck. In the past two years, the claims of small-scale companies have risen sharply on the complaint list of the China Insurance Regulatory Commission, mostly because brokers are unfamiliar with the terms and characteristics of products when promoting products, which leads to the insured's misunderstanding of insurance coverage.
Many brokers are advocating their professionalism, but we still have to see that brokers have not received professional product training, and many of them take the terms back and watch them sell. I can't think of any reason to trust!
In fact, as long as the insurance products recognized by the CIRC are good products, the most important thing is that the salesman or broker can explain clearly! There is something wrong with this link, and it will happen sooner or later!
So I remind every policyholder that when a salesman or broker introduces insurance to you, you must record the insurance, and then call the official customer service phone of the insurance company to verify it to ensure that you really know the details of the insurance!