I can understand that this form belongs to the combination of insurance products.
There are several points that must be explained:
This combination will be very common in the future, because the needs of customers are diverse, and it is difficult to meet the needs of customers by one product alone.
But how to combine, how to combine, in order to give play to the advantages between products, agents need to have strong product analysis ability and professional level.
At the same time, it is necessary to realize effective demand analysis between agents and customers, so that both parties can have a rational and feasible cognitive analysis process of their current life and future expectations, and finally implement these situations through product planning.
However, at present, all insurance companies sell a certain combination model to customers according to a company marketing model. It is difficult to say that this model is omnipotent and suitable for all customers, which runs counter to the personal tailor-made model that specializes in insurance planning.
The process of insurance planning is actually a step to make long-term financial planning.
This process also requires customers to look at life rationally and correctly and make various expectations for future life.
Jixing Yingrui is a dividend insurance, quick return type, and there is almost no guarantee responsibility.
The so-called medical insurance is very complicated and there are many choices. It is estimated to be the main health insurance at present.
Customers can choose this mode, as long as it suits them, it is the best.
However, customers must be clear about the scope of protection and exemption of each product in these product combinations, and the form of clause combinations should be analyzed separately, not only the scope of protection, but also the scope of restrictions.
At present, health insurance is gradually accepted by the society, but the basis of insurance planning is life insurance and critical illness insurance.
After all, some functions of medical insurance can be replaced by medical insurance and other forms.
We must solve the unacceptable risk of force majeure before we can share the daily medical expenses through commercial insurance.
Insurance is consumption, and how to use it reasonably, give full play to its relatively maximized function and obtain long-term benefits is the purpose.
Be rational and understand consumption.
The combination form is equivalent to the set meal in fast food. Remember: some may have nothing to do with you, or you don't like it, but you have to spend it.
The best form is to define the demand, establish a long-term working mode with the agent and make targeted planning.